Based on my personal experience, I think there might be good reason for people to be more concerned, not less.
I started to notice symptoms around lunch time a few weeks ago - new, fairly persistent cough and a high temperature. By around 9:00 pm I was feeling rather unwell and went to my bed. I woke up around 4:00 am with a raging fever so I emailed my boss to say not to expect me to be working for a day or two.
I then went online and double-checked the NHS guidance which was pretty much if you're symptomatic self-isolate and don't bother contacting the NHS unless you literally think you're about to die. So I did exactly that for a few days. I got suckered a little bit by the stats and guidance as well to be honest. I'm a fit, healthy and active person in my early 50s with no known underlying conditions so in the category that shouldn't have too bad a time of it, or so they tell us. Looking at the stats I didn't fully appreciate at that point what a misleading bag of incomplete shite they are. I took the view that it was statistically highly unlikely I had CV-19 and a cough and fever could be any number of other conditions.
So I soldiered on self-isolating. By about day 4 I started to notice pain in some of my organs - kidneys, lungs and heart mainly - but it was fairly mild pain by my standards so I stuck with the NHS guidance. By day six, my wife and step-daughter decided they didn't care what I thought they were going to get me seen by someone, somehow. We had a bit of a disagreement over this because I'm very much of the don't make a fuss mentality and from the big boys and girls don't cry generation. Thankfully they over-ruled me. They then spent 3+ hours in a queue to NHS 111 and after speaking to them waited another 30 minutes for a call-back before they were finally given the go-ahead to take me to the local health centre for assessment. Fast forward an hour or so and I'm in an ambulance being blue-lighted to the general hospital 50 miles away.
I spent the first day in hospital in a single room until they got my test for CV-19 back as positive at which point they moved me to the covid ward. I was given antibiotics and oxygen therapy. By day 5 they had got me to a state where I no longer needed oxygen and I requested and was permitted to go home.
All good you might say and yes at the end of the day it worked out well. The thing that really grips me though is that according to my doctor my oxygen levels were so low when I was initially assessed that I would not have survived another 12-24 hours without medical intervention. I'd followed the official guidance (which is too vague and vulnerable to subjectivity IMHO) and yet I very nearly shuffled off my mortal coil when all I needed was, in the grand scheme of things, some fairly basic medical support. To add insult to injury I would probably not even even have been recorded as a CV-19 fatality.
My advice is if you or someone you love is symptomatic for more a than a very few days without showing clear signs of recovery, fight tooth and nail to get them seen. Do not take no for an answer. Also have a hospital bag ready just in case. It might sound silly but it never really crossed our minds that I might not be coming back from the assessment centre and nobody warned us that was a possibility so I arrived at hospital with nothing but the clothes on my back. The hardest part of that was I didn't even have my phone and as visitors aren't allowed I had no way of communicating with my family. Seemingly small details like that take on a whole new significance when you're faced with the reality of the situation. Losing me would have been hard enough but I think not being able to even see me at the end is something my wife would never have got over if it had come to that.
It's worth pointing out as well that I didn't see any signs of the system being under strain. Obviously that will vary by region and over time but our assessment centre had 3 drive-in bays set up and we were the only people being seen for the half-hour or so we were there. The Covid ward at the hospital had several empty beds and the staff seemed very much in control and not shown any signs of stress or struggling to cope. That may well change with time but why the determination to reduce people engaging with the NHS as much as possible when they haven't yet reached capacity?
Something I would urge everyone to do as a matter of urgency is think through where it might leave your family if you were to die and get your affairs as much in order as you reasonably can. I was fortunate in that we updated our wills and got powers of attorney drawn up a few months ago but there are still quite a few things, practical and financial, I've identified that could have been better organised and I'm now working through those.