Great to read this as it’s something I’ve been thinking through and discussing with my riding buddies. I’m on the other side of the world from you (Adelaide, Australia). We’re early days here on the curve and low numbers, but I’ve made the decision to stop riding mtb. My other half is in health care and absorbing a lot of pressure at the moment at work (with more to come), so the last thing she needs, or my kids or the health system needs, is me hurting myself on the bike however unlikely it might be. So for the meantime I’m keeping things simple and using the home gym. I’m very much at peace with not riding in these circumstances.