Right now, humans have two competing circumstances. The virus driving everyone to be risk averse. The virus driving everyone to be a risk taker because life is indeed short. Those are two competing interests that can be tough to balance.
I certainly don’t have any answers. Nor even an opinion. I know my level of risk-taking varies upon the day. Upon the hour. I guess all I can say is be mindful about it all. Don’t be too hard on yourself over FOMO if you follow your instincts to not take that risk. Don’t stress too much if you take a risk because you feel like you need to. Be compassionate towards yourself is the best you can do…and definitely the best thing for you!