I would not worry about your TA. Do what is right for you. We were to go on MS Koningsdam 3/4/2020 to 3/15/2020 , just when covid was really starting up. We canceled it. I had that gut feeling too, about that cruise. I had really wanted to go. But for me, it just was not worth the risk. Right now we have put cruising on hold. I can't see us spending all that money and not enjoying our selves like before. I just don't want to risk getting covid on a ship. Now we are mostly at home.
Maybe some day we will cruise again, but for now I will take my chances on land. We are not going out to eat, so more cooking than before. Life has changed for us, but I roll with it. Our cruise window has closed, but other doors have opened. I enjoy being home and have taken up a new hobby.
For me I think, is a cruise really worth going on now? For us, no.