I'm in NC and was having a similar thought process. I certainly wasn't going to "trust the system" by mailing in a ballot, so in-person was my only real choice. As to voting on Nov. 3, in addition to the Covid-19 concern you shared, there's certainly also the potential for very long lines, poor weather, and protests or disruptions by the socialist left, including Antifa & BLM. As I work across the street from an early-voting location, I decided that early-voting was way better than facing the uncertainties of going to the local polling place on Nov. 3. I voted this past Friday, after leaving the office. I was in and out in less than 15 minutes. I'd highly recommend it so you know your vote is in the bank!
Will probably follow your advice. Checking into it further.