Sooner or later this virus will mutate into a version that is more scary to you personally - or for example becomes more fatal to kids - and suddenly the vaccine won't seem so bad
Maybe.
Personally, my bets are on the virus mutating into a version largely unaffected by the vaccine and that everyone, vaccinated or not, will all be back in the same (unprotected) boat at sometime in the next year anyway.
One of the reasons I've declined any vaccine is the apparent lack of long-term plans or predictions.
Everyone talks about the vaccine like its a magic bullet that's going to fix the world and end the virus. The media, friends, politicians - they talk of 'getting back to normal' or 'putting it all behind us' and I find these comments kind of morbidly fascinating in their short-sightedness.
It's not going to be 'normal'. Not for years probably. The virus will keep mutating, gradually or dramatically until, at some point, the historic vaccines will probably be useless against the new strains.
New, amended vaccines are likely to be needed at regular intervals...possibly for ever. Like, literally for ever. And whilst I may have been willing to have one vaccine if I was sure that was it, I'm cautious about starting down a road of annual or bi-annual vaccines to keep a virus at bay that has a very, very low risk to me.
Should the virus morph into a more deadly version or until I get to an age or health status where CV would be highly dangerous to me, I'm more comfortable waiting and seeing what happens.