Thank you number_6! We needed that. Those are much more reassuring words.
Travel agent (Pavlus) tells me that Regent Seven Seas can rebook us only after a $300-500 change fee EACH AND any change in costs from what they paid. Our choice would be thru HKG or SIN, if available.
We have insurance thru Allianz. That might help if we are "stranded" along the way. I might ask for a fee summary and routing, just to have all the data to review. I am an over planner, admittedly!