I think like you. All of my half dozen reservations are "drive-to" locations. I suppose that if I HAD to fly, I would put on an N95 or NH95 (or is it HN95) mask, sanitize everything and use hand-sanitizer.
I assume you didn't purchase E-Plus... It will depend when you booked the exchange on or before 3/14/20.
Assuming it was before, if I read the below correctly you will just lose your exchange fee. You should cancel just before 60 days prior to the exchange to stay out of flex time and then you will have a year to use. Someone can correct me if I have that wrong.
=== If you cancel an exchange confirmed on or before March 14, 2020, with travel on or after June 1, 2020 ===
Option: These cancellations will be handled under the standard Interval International Exchange Cancellation Policy.
Do I have a booking window? It depends on how many days in advance of travel the cancellation is received.
Do I pay an additional exchange fee? Yes, unless you cancel because the resort is closed to inbound guests. In that case, the additional exchange fee will be waived.
When do I need to complete travel? Within 12 months of the date of cancellation.
=== If you cancel an exchange initially confirmed between March 14, 2020, and May 31, 2020, with travel before December 31, 2020**** ===
Option: Request an instant confirmation for an alternative destination and/or travel date.
Do I have a booking window? No, as the substitute accommodations are confirmed at the time of cancellation.
Do I pay an additional exchange fee? No.
When do I need to complete travel? There’s no restriction on your travel date.