So, 9 nights in the Maldives it is. Staying that the Fairmont which looks nice enough. £33k including J flights, sea plane transfers, Christmas gala dinner and the kids eat free. Converted to a BA holiday so well protected if we can't travel due to further restrictions.
Mr NW felt bad so gave me a blank cheque, and I was tempted by the Waldorf but I couldn't bring myself to spend another £20k plus it looks like it would have cost a further £1k per day for F&B.
Not a bad result and hopefully our non-refundable accommodation in Cape Town (booked and paid for in January 2020) will still be there for Christmas 2022.