Just imagine for a moment there was a calculator that could predict your risk of getting seriously ill or dying from covid. If it turned out you were low risk would you still follow all the advice such as socially distancing and getting vaccinated?
YABU - yes I would still follow the rules and advice even if I were low risk
YANBU - no I wouldn’t endure the hardship of not seeing friends/family and I wouldn’t bother with getting vaccinated as my risk of becoming unwell would be low.