I also have struggled with "to travel or not travel" decision. Making last minute plans is nearly impossible if reservations are required, as in Big Bend National Park for all camping, even backcountry. So I decided to plan a trip to BBNP in mid January and make all my reservations. I assume the pandemic will either greatly improve by then as a few people get vaccinated and we begin to get on the downward slope of the # of cases, or it will continue to explode, in which case I will cancel.
I decided that if I go on the trip, I will bring enough supplies for the entire trip so that I only have to stop for fuel, which is contactless pay at the pump. I feel very safe from Covid hiking, its outside, I step off the trail when approaching hikers need to pass and can also pull up a mask if needed. I can be completely self contained, and will do that.
I never though of the having an accident component and needing medical care, but in 22 years as a full -time RVer, on the road, I've only had two motor vehicle accidents, one was just a minor one, no medical staff involved, the second was a roll over accident at 70 mph, which required EMTs on the scene, but no other medical care. So I'll roll the dice on the accident component , plus my odds are probably the same driving to the grocery store locally to pick up groceries.
I practice all the recommended Covid precautions, I don't do anything except go to the grocery store every 2 weeks, hike locally, I'm retired, cook meals at home and have very little contact with my neighbors and then its outdoors. Therefore I feel my odds of bringing Covid to another community are close to zero.
Lastly, locally, I still see people not wearing masks, or not wearing them properly and have still met folks that think this is blown out of proportion. I don't get it. Last night's news announced that there were only 23 ICU beds available in the entire state of NM. So maybe I'm better off being someone else, who knows.
Be safe out there