I really think "games with no fans" will be impossible financially for teams to survive.
I'm assuming clubs will start paying players when proper games commence?
I would go for fans in based on the following,
Details provided, in advance of possible.Encourage early arrival and staggered departure.
Social distancing at food and drink outlets, use outside where possible.
Minimise / rotate numbers in changing areas.
Masks to be worn on supporters buses.
We are a long way off getting back to "normal" but a middle ground might work.
So many different thoughts and opinions on this bloody virus and no 100% right of wrong way to proceed in my opinion.
I think if it has hit any of your friends or family then your view may very well be swayed.