It's not exactly "face to face". At my university, I'm about 6 metres away from the nearest student, they all stay in the same room and I move about. They're in bubbles which are only in once every 3 weeks. I am far, far closer, or face to face if you like, to everyone else in public settings. There are hand sanitisers everywhere, I cart my own laptop about with me. The university is virtually empty. It feels much much safer than a petrol station or a supermarket.
If it were actually face to face I would agree with you, but as it is, I have to really project my voice to be heard by the students as they are so far away from me.
OP you must be 35 at the oldest, I cannot see what difference being a mature student makes here, other than childcare responsibilities which are nothing to do with coronavirus.
I'm perfectly happy to teach. Not everyone feels the same, but please don't let a union or someone else tell me what to think. Its hard enough to motivate the majority of students to actually work and do the reading at the best of times, putting it all online cgeaiens the value of the education they will be getting no matter how good you make the content. It's very hard to get students to interact online fur one thing, and that really is a skill they need when they go out to the workplace. Never mind them not having to turn up to an onoi e lecture and being able to download it at their leisure, which is no guarantee of them having read the materials.