I agree that what the FCO say but as already stated it is only an advisory and it's up to individuals to make their own risk assessment of the situation. As long as we all abide by the local government rules all should be well.
As for insurance, I asked my existing company if they covered the situation but they don't based on FCO advice. I therefore made enquiries with Battleface and after a few email exchanges I'm confident that I'm covered. It was approximately £56 for the two weeks I intend to stay.
The reason for my visit is for me to check the work my builders have done is completed to my satisfaction before I make final payment. They started in March and was about 8 weeks work which came to a swift halt due to COVID. I also need to get my residency application processed before the dreaded you know what.
Stay safe everyone.