The problem is, it isn't just 'your' chances that you're taking. So, supposing you get covid. What then? Not everyone can just isolate for 10 days and then it's all over. Suppose you only get symptoms after 5 days, but before that you've been spreading it everywhere you go.
Your elderly parents, that lady in the shop in the wheelchair, your friend's daughter who has an immune disorder .. YOU might sit at home and just get over it, but that's not to say that the people who you pass it to will. And even if THEY do, what about the people THEY pass it on to? You have to see what I mean.
Then, supposing some of those require hospital treatment. You're taking up a bed, putting the health of the doctors and nurses who treat you at risk.
You're probably thinking you wouldn't make much difference, and perhaps that's true. The issue is, what if everyone takes that same attitude? What if your selfishness in thinking you're above the rules means that not only you get it, but also 20 other people? What if you go to visit your mum, you pass it on to her, and she dies?
NOBODY is enjoying this.
I have to sit at home alone most of the time. Don't qualify for a bubble as I live with my DP, but he's a keyworker working a ton of hours. DSS spends all day in his room, only coming out to fight with me/us about why he's still not done any college work. My mum, dad and brother on the other hand are bubbled together, basically getting on with things as they normally would. They're happily normal, I sit here alone.
It's shit for everyone.
We either all get on with it, or none of us do, but individuals just deciding to fuck it is never going to work .. and to be honest, if we ALL thought fuck it, I'd have severe concerns for the NHS.