I'm a warm water, vacation diver. Once I was certified, I dove in shorts, until I got chaffing from the BC, then I added a t-shirt. Once I got stung by a bunch of tiny, unavoidable jellyfish, I intended to wear wetsuits all the time and got a lycra undersuit to make don/doffing easy, but found myself too warm, so have been diving with the lycra only. Essentially, I prefer the freedom of no wetsuit, but have added more exposure protection due to undesired incidents.
I have considered a few times to do cold water. Every time I've gone to the local diver meet up, other divers have said it wasn't worth it. Of course, that's when the option of going to warm water was still available... and maybe they weren't very cold tolerant. Given that I don't mind four dives a day, over multiple days, in shorts, in warm water, I wonder if I could do two cold water dives in 3mm?
With things as they currently are, I'm okay with waiting to travel again, to dive in warm water. Even if I feel that I could be personally fine, I'd rather not be an unintended carrier. I would rather hold off now so that perhaps travel will be safe so that it's more like before.
Maybe in a year or two, if things are about the same, then I'll just go for cold water...