For vacations it might make sense to buy from travel agency at least in EU. Flight cancelled? Don't have to worry about getting refund on other things either. I had vacation booked when covid hit with all restrictions, flight+hotel(my choice) from agency, full refund without any questions asked.

So either go with agency, pay the premium for them to sort it out if possible. Or then directly to airline. The results might vary, but per location there might be perks with either.