Yes, I agree the OP clearly has just a cold, but I think the point of her thread was more about how, even though she knows that in her logical mind, she still has moments in which her more illogical mind makes her doubtful.
Of course people are going to have doubts at the moment about what is causing their symptoms. I've had colds almost non stop this winter, most unusual for me, and a couple of those have really laid me low.
With the current one I've been kept awake for a large part of several nights with a nonstop cough for over a week. The only reason I'm on mn at 12.30 at night is because I'm coughing badly and I know that if I get into bed and lie down the coughing is just going to get worse.
When you've had very little sleep and you feel down and miserable it can make you wonder if there is more going on than just a common cold even though logically you know there isn't.
And yes, like the OP my health problems, and in my case my age, whilst putting me at higher risk than a healthy young person doesn't mean I'm in extreme danger if I do get this virus, but it is an increased risk and something that I'm aware of.
Not sure I understand why that would make me naive or innocent.