Go for it. My husband and I are older and we finally booked a cruise in November. We had such a great cruise, we have been doing a cruise a month. We wear KN95 Mask which are almost as good as N95’s. We avoid crowed areas. If we do go to the showroom, we try to stay well away from others due to so many people not wearing masks. We usually had an Oceanview room, but lately have been doing a suite. So we can enjoy the sea, the scenery and have a quiet place to read and take off our masks. I do believe, the key is not doing lots of socializing with others unless you know they are doing the same as you. You should be fine.
People don’t wear their masks properly or not at all. Book one of the Vista Class ships and use the glass elevators. We noticed that not many people use them. If someone comes on without a mask we leave. Rather be sensible than sorry. Being quarantined is not the way you want to spend your anniversary cruise. We get a table for 4 just for us and sit far away from the aisle to social distance. If you eat at 8 PM, you have a better chance of not being around a lot of people who might cough in the dining room. We take HAL shore excursions and wear a mask the whole day. We have been fine. If someone is not wearing a mask sits next to you, move. At least you won’t be in close proximity.