I voted "reschedule to Oct or Nov" but, technically, our October trip was already scheduled before any of this occurred. We might consider adding a trip between July and September (dreading the heat, though) if things have improved enough to make that feasible. But we're more likely to just wait until the October visit and then look to 2021.
I have 42 points to bank before May 1st. Right now, I think we'll probably do that. If we do end up going back before September, we'll have to cut our stay a little short since those 42 points won't be available until after September if we bank them. But the more likely scenario is that we'll wait until after September before heading back, so we'll have all of our points available to use and all but 42 of them we have until April 2021 to bank if needed. So considering the circumstances, we're in a pretty good place in terms of point management, even if we have to cancel October.
We have a fair amount of flexibility in our schedule, and would be looking for 1BR (and willing to upgrade to 2BR if that was the only thing available) so, even if availability becomes tight in 2021, I think we'll be able to find something. We'd also be open to a stay at Hilton Head or Aulani if those were the only options available.
I'm determined to keep a positive outlook. We are all incredibly blessed to have the ability to take expensive vacations to Disney World and other locations. Yes, it will suck if we end up losing out on going a year, even potentially losing that year's DVC points, but a lot of people have it a lot worse. I've had to be resilient and overcome much worse adversity in the past. Putting things into perspective, not getting to go to WDW this year is not that hard to cope with.