Restarting work is going to be one of the classic examples of everyone picking their own place on the risk - reward scale, and everyone's place on that will be right for them rather than for everyone.
(Hint, in case anyone's considering telling people off for starting or saying they're frit for not: don't.)
Even if you do remove, say, kissing from your services, you're still in a room with someone getting hot and panting a lot, often in the direction of your face. Whether that's worth the money to you depends on a whole bunch of factors, and not just how much you need the money.
I can probably hear some people doing pro-dom(me) work laughing about how existing kit would make it safer though...