We traveled to Crater Lake during July of 2020. A lot of the National Park services were closed, including the ferry to Wizard Island. However, there were many visitors - the majority wearing masks.
My husband and son (along with about 200 others) jumped into the lake.
We also wanted to cycle around the lake, but found that it was going to be too dangerous. So, we opted to drive behind our son while he road down the longest hills between overlooks. I think his fastest speed was about 35 mph.
