Good luck with your decision. I agree with most other posters that it really has to be an individual decision and up to you as to the level of risk you take. COVID is out there. And it's going to be present on ships too. With 3000+ people, it's statistically inevitable unfortunately. All you can do is decide on your own personal comfort level, and take precautions for yourself.
I'm pretty much back to normal activities, but will put a mask on if I have to be in close quarters indoors - like movies, theatre etc. I'm not too bothered outdoors or if there's space to mantain distance indoors.
Our first cruise in 3 years is coming up in January.. and I'll be keeping a close eye on what happens between now and then. I'm happy to be extra careful on-board, it's not a huge deal to mask up, maintain distance and wash/sanitise etc. We're not really into dancing or socialising so I'm hoping some of the risk is taken away.