I'm still in the belief that EVERYONE will be playing in the Spring. I'm not arguing there isn't a legit plan in place for a lot of leagues... But you know the Mike Tyson quote - "Everyone has a plan until the Marlins all catch COVID".
But I do have some insight into one of those FCS leagues, and I do believe the idea of delaying the Spring football announcement for financial reasons (Potential FBS payouts) has been floated. How well that stands up legally, I'm skeptical.