Funny thing, the NFL has had THE most time to prepare as well as probably the deepest pockets to spend on getting prepared. I give them a big fat fail on not having all sorts of Plan A-D, depending on the state of things.
I really think the NCAA and the NFL were way to overly optimistic on things being improved by the start of their perspective seasons. Because of that, both seemed to be really slow to except the fact that nothing about the virus has really changed much in the last 5 or so months. Heck, both leagues were still talking about having a limited amount of fans at games and I still haven't heard if the NFL has even nixed that idea.
IMO, both the NBA and NHL have had the smartest approach with putting their teams in the bubbles. Obviously, they were halfway into their seasons before the stoppage, but they still have been very smart in the way they have gone about trying to finish those seasons.
Now maybe we aren't hearing every thing and the NFL is being tight lipped, not wanting to lose fans, but they seem to be moving at the pace of turtles, ones with their heads buried in the sand. Stuck in their way of thinking that they can successfully have a 4-5 month full season, outside of a bubble.