I see what you're saying. I also think safety IS an issue for some. If you're in a state with high COVID cases and/or poor mask/distancing compliance, the WDW bubble is a step up in terms of safety. If you're in a state with low COVID cases and good mask/distancing compliance, going to WDW feels much more risky.
The more people there, the more opportunities for people to flout the rules, or just forget them. I went to Target last week, and saw only ONE person not wearing a mask correctly (a girl I would guess about 12-years-old with her nose peeping out). The idea of being stuck in relatively close proximity to people for an hour in line makes me nervous. I don't want to have a good socially distanced spot to watch a cavalcade, and then have someone push right into my space bubble at the last minute, and I'm either stuck with them super close or I have to make my way out of the crowd and miss the characters.
Obviously, I don't want to spend hours on end in lines, either, but it's more than inconvenience.