It's pretty bad Sipper. I posted a trip report (March 11-25) where I talk about it a little. The difference from '23 was enormous. We skipped '24, now i wish we hadn't. The soft corals and sponges are still great and there's still critters around, albeit fewer and smaller but your question was about the reef, and I refuse to sugar coat it, it broke my heart. Karpata is a grey landscape. Tolo was much better, but just when you think it's not so bad, you see a little live plate coral and remember what it used to look like everywhere.
I'm told it's the same in Roatan and Cozumel. I'm open to suggestions.