This is my thinking too. If you can pay just the deposit. Use a credit card as an extra layer of security against bankruptcy. We'd be holidaying in the UK as usual as we can't justify the cost of going abroad.
I would like to get abroad in the summer, but I would only do something last minute as I've no idea how things will end up going with the new strains, how long the vaccine gives you protection for, will I have had the vaccine by then, will travel insurance cover you for covid abroad etc.
I've had many a nice holiday in this country, but last summer was horrendous here, places rammed and people were hiking prices up as everyone was staying in the UK, I've a feeling this summer will be the same.
As a few others have said, some people need something to look forward to and that’s understandable. Personally I’ll wait until there is a bit more certainty even if that means we miss out on some good deals, I had enough headache last year getting my mum and aunts refunds for their cancelled trip to India (and that was booked well before the pandemic) or having to arrange repatriation flights as my Mrs had to do for her parents, aunt and granny. Not going through that again. We planned on something big for my 40th next year and hopefully we can still do that, but anything before that will be a bonus.
Totally agree with you. I'm not sure there's any abundance of good deals at the moment. I keep an eye on 4 or 5 different places abroad that I've enjoyed going to over the years and none of them are any cheaper now than what I've paid before, in fact some are quite a bit more expensive. I know someone who works in a travel agent and when they had a surge for bookings last August for Summer 2021 and the prices were sky high then. She said there are some deals out there, like there always is, but the travel operators have no need to offer deals abroad on mass because once restrictions are lifted people will be flocking to book holidays abroad.