Germany here. On my premise, I have a shared garden with three households, 3 kids in school (homeschooled every other week), 2 kids in kindergarden. Since we are very very lucky with this configuration (in terms of the kids being able to play with each other in the shared garden and not being stuck indoors all the time), we have had hard rules most of the time and everyone isolated on the premise, while most of the research on covid spreading was going on—this meant no kindergarden, no school, only one other household to meet adults with outdoors, FFP2-masked, with 2m distance.
While most risk factors on spreading are coming to a scientifically viable conclusion, the risks and length of long-term effects of a covid infection are not. Combined with the very low detection rate of covid in children before—which is bound to increase now through the mandated testing twice a week in most of germany—we are still being cautious (we also have people on the premise with preconditions, which are in the mid- to high-risk category for complications from an infection).
So our rules for now:
Kids are allowed to meet other kids outside, that are in the same group they meet with anyway (same kindergarden group or school class)
Meetings outside for adults are okay (due to the low risk of infection in the lower 0.x% range without mask, but with distance)
Work-related meetings indoors that can’t be virtual only under precautions (open windows, masked, distance)
The idea is to (still) restrict contacts to the same in-group and to minimise any contacts out-group. This works for small groups (our premise) as well as larger groups (premise and our contacts) as long as we hold the contacts accountable to the standard as well. This makes the risk more calculated than having no rules, but obviously more risky than our previous strict rules.
Since it’s still unclear, if a two-shot vaccination (where the second shot is extremely important, since it boosts the antibody response by a factor of 20-40x) actually prevents a vaccinated person from being a spreader (with cautiously optimistic scientific finding towards “yes”), we will keep these rules for a little longer and treat vaccinated contacts similar to unvaccinated, until the findings are clearer. Which will hopefully be in the next weeks.
Note that most cars only have 2.6 seats in a classic three seat second row—at least in european models—where the middle seat is not a full seat, but only two thirds as wide.
If you’re seating three children, don’t forget that you’re not only seating them but (usually) also their car seats¹ - which have gotten so wide through their side shock absorbation zones, that you can’t fit three beside each other in a standard three seat second row of a car.
Even when you remove some of the extra-padding some seats offer as removables, it’s a snug fit even with a full width three seat second row. So it might make sense to think about a bigger car all along, since most bigger cars with a full second row also have a collapsible third row anyway (at least as a premium option). A cheap model in europe is the SEAT Alhambra, which is essentially a Volkswagen Sharan but with a different chassis.
When factoring in the resale value, take a look at the second hand market specifically for your model, because these family vehicles tend to keep their value a lot better than other cards (since most families drive them until their kids are grown-up).
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¹ in this case I mean not only a booster seat, but the full seats for ages 3-12. At least in most parts of europe, they are widely accepted if not mandatory.