Ann, you and I are having the same pandemic experience!
Like you, I thought I would work fulltime for many more years. I haven't retired but I am working less than half the hours I used to - by choice, not because of the economy or a lack of work. I decided my time and my health (people I work with refuse to wear masks in their offices) were more important.
We still do not go out to eat or to events and are saving a ton of money. We used to eat out or order in 2 or 3 times a week. Not only are we saving that money, but we have both lost the extra pounds we were carrying. Ben, the cook, is getting a little tired of preparing our meals and would probably love to enjoy a good meal out, but we are eating much healthier without all the fat and calorie laden restaurant food. I do miss going to events, though.
Now that I am working fewer hours and those are mostly in the evenings and on Saturdays, I no longer feel the need to dress to impress and haven't bought any clothing or shoes in months!
But, I miss being able to travel, although we never traveled much. Still, it was nice to get away for a weekend or two during the year and to take our annual trip to NYC. But, more money saved and by staying home, I am getting so many projects done!
Of course, we (I am including you!) wish none of this happened and that life could return quickly to some level of normal. But, for those of us who can, it is imperative to learn from the experience and make adjustments to our lives.