The thing is, I don't think you can really make any plans that are fool proof. Back in April I was kicking myself for transferring to private from public, but as I sit this week, it seems the better decision. Next month? Who knows. My friend moved to Europe in order to have in-person schools, and now her entire area is shutting down completely for the next three weeks, but if she had stayed she would be in in-person school. We just don't know how to really avoid this thing.