I have encountered five different approaches to cuddling in our current interesting times. Which one is appropriate for you depends not just on the regulations and situation where you are, but also your individual circumstances. It's a very personal thing.
a) No cuddling at all.
b) Full precautions. Detailed covid conversation in advance with mutual assurances of no symptoms, no requirement to self-isolate, etc., repeated on the day. (Sometimes with a recent negative test result in jurisdications where they are available.) Handwashing before and after the session. Masks worn throughout.
This was the level required in the UK before the recent round of lockdowns.
I have done it, and it works. The truth is that all of it is irrelevant to the actual cuddle except the mask. The mask is indeed a nuisance, but not as much as you might think. You're still having a cuddle.
c) Reduced precautions. As b) but without masks. Given my personal circumstances, this is my preferred option.^
d) No precautions. This is dangerous and irresponsible and I condemn it unreservedly. Somebody (a Cuddle Comfort professional) tried it with me ... I upgraded them to level c), more or less without them noticing. (This is the only one of these five levels that I have not done.)
e) Having an online cuddle session instead. Not the same of course, but surprisingly effective.
Comment or suggestions? Anybody discovered a sixth way?
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^ I have thought about this a great deal. Transmission probability if somebody has it is high, but probability of somebody bringing it into the session is very low. Both parties healthy and not living with somebody vulnerable, and only one transmission possible ... it's not a 'super-spreading' moment.
I live alone, and indoor social contact where I live is flatly banned. (You are allowed to meet one person at a time, outside. Which, in Britain in November, essentially means standing on a street corner in the dark.) At the supermarket I use the self-service checkouts. Cuddling is basically my only human interaction.