I had a used a voucher (and cash) for a summer flight that was cancelled, but started to get up against the time deadline for when the voucher would have expired as the refunds are simply not being handled fast enough. In the end, I ended up calling up and asking to change the refund to a voucher. The request was processed in 1 week and I had a voucher for the entire amount with the later expiration date (the refund of the voucher portion would have gone back to the original date and it would have likely expired). While I am not overly happy to get a voucher for the cash portion of the ticket, it worked out well enough for now assuming that things return to normal in 2021. I am not advocating to switch to a voucher refund, but wanted to point this out in case anyone was in a similar situation.

Next worry is how to use our AMEX 2-4-1 now that our X-mas trip was cancelled. I will save that for another thread...