But what's to stop you getting Covid if you forgo cruising in favour of a land based holiday? Covid is not going to say 'ah, you're in a hotel so I won't infect you'. It is simply everywhere.
In the meantime DH (who is vulnerable), our DD and myself are very much looking forward to our Christmas and New Year cruise on the Queen Victoria. Let someone else cook the turkey for a change!
We will, of course, take note of any precautions that are (hopefully not) issued by the Captain.