>. Both of us are in "high danger" group. What happens if there is no vaccine for a year or more and no "herd immunity" are we just going to sit at home for the rest of our lives?
Good question.
My girlfriend just had a good discussion on just that subject.
We're prepared to do that so that our children and grandchildren can get on with their lives.
We've hugged them enough to realize that foregoing future hugs is a good idea till this all passes away- as it will.
I've found a spot where I can whack some golf balls alone without having to worry about being infected by fellow competitors. I've played thousands of competitive rounds and bowing out now is a small price to pay so that the younger players don't have to worry about endangering a vulnerable senior.

That's a health decision but it has a social effect.

We hear lot about the health and economic impact of the virus, but little about its social impact.
I think that it will be profound, and probably for the better.