a) whatever if the least-stress option for you has my blessing
b) having spent the past week doing *hours* of Covid-19 contingency planning at work, my vote is on revisiting this decision closer to the full payment deadline in late April (by which point we are likely to have a better sense of if it's a damp squib or the zombie apocalypse in the UK) and am happy to pay my share of the deposit if we can't get it back.