We had to cancel our summer Croatia charter and got Moorings to agree for a 24-month credit instead of 12. So if we can charter in summer 2021 we will, and if not, we will do a BVI charter in fall 2021 or spring 2022 instead.

I would not be putting any non-refundable money down right now.

Travel will be slow for the next year at least. I am not expecting charter companies to book up for the fall. If BVI is open in September or October, you can always book your November charter then, knowing a lot more about what to expect than you do now.