"You are better to just assume anyone could have it."
Well, you can assume it, but it depends what actions you want to take as a consequence
I follow 100% all govt / RKI advice for over-60s (in Germany), not merely the laws.
However, within this, I do the things I consider important for my enjoyment of life
In lockdown mid-March to 4 May:
the govt advised age 60+ were at higher risk and should stay home as much as poss
So I didn't go into any shops, just used my stock and online - slots were available anytime
But I walked / biked outdoors daily for 1-2 hours, as no time limit was recommended
16 May:
Gyms reopened and I've been going 5-6 days per week - longterm gym rat
Yes, there is a risk with no masks & panting, but offset by greater fitness than I can manage at home
At my age, loss of peak fitness takes too long to regain
I walk to the local farm shop and little grocery shop every 1-2 weeks
I have a daily Rhine walk, no mask.
22 May:
Hairdressers opened with masks and I've had 3 trims since ( a new very swish undercut for my grey locks
!)
From 2 June
I've been eating in my 2 fav outdoor restaurants 2 x weekly and both have added takeaways, so 2 x weekly of those
From mid-Sept
Colder weather, so I've been eating indoors 1-2 x weekly and fav takeaways
Cases are slowly rising, so I have roughly planned my own precautions in addition to official advice / laws that may come:
If they rise > 20/100,000 locally I'll just have takeaway
35 / 100,000 or earlier - just online shopping
50 / 100,000 or earlier - stop gym
I've grocery stocks for 6 weeks and can resume online grocery shopping any time
I haven't been on public transport or on outings / events since March and won't until the Covid threat is down to flu level
i.e. post vaccination at least