for me, it'll be a cash ISA and then transfer to S+S once the recovery phase begins.
who knows when the bottom will be
The problem is you don't know when the recovery will happen, when the bottom os reached, how fast the recovery will be, how far it goes.
It is nearly impossible to time the market, and even if you could, time in the market is far more important. You might have been 10-15% down if you invested everything a few months ago, but in 5-10 years you could be up 100-150% (or not...).