Postponing Wedding to 2022

Hey everyone
My wedding is currently set for October of this year. With the way things are going, we’re considering postponing to October of next year. Even if the vaccines are more available then, they don’t know a ton about how long they’re effective for and from what I’ve heard it sounds like they’re better at keeping covid from getting bad when you get it than actually preventing getting it in the first place. I’m high risk and my dad and nana are too. My photographer goes to parties and stuff all the time with no mask on, my fiancé’s family doesn’t believe in covid, and some of my friends and family don’t either. I don’t want to have to worry about making sure that everyone stays far apart and wears masks the whole time. On top of that, in general, I feel like it’ll make me feel very tense having to keep up with it and I’ll be worried afterward about if I or someone I love will get sick. I feel like I’ll be sad if no one can hug and I don’t know how food distribution/eating would work. I don’t see any way to have a honeymoon safely enough and still being able to do anything we wanted to do (we were just planning on going to Gatlinburg). When I’ve posted about all this other places, people have sort of acted like I should just be happy to be getting married (one person was like do you want to get married or do you want a wedding) and I am, but when I can’t even elope without having to worry about covid, it’s hard to still want to have a ceremony this year. I’m extremely sad about the thought of pushing it to next year. I just don’t know what to do and I feel all kinds of guilty. Our venue doesn’t do any refunds, if we want to reschedule we have to do it 6 months in advance and pay am extra $400. If we try to reschedule within 6 months it isn’t allowed, so we have to decide within the next couple months if we want to postpone.