I think it's complex partly because someone can fall into several categories at once. I am still shielding (doctors' advice), which obviously isn't great - I'm aware of how CEV people with ongoing major medical issues haven't been able to resume even quasi-normal life.
But then I'm also, in other ways, really lucky to have the things that make a pandemic easier: nice house, stable relationship, lots of support, not too worried about money. So if you looked at just that part of my life, I seem incredibly fortunate and as if I have nothing Covid-related to be upset about... Yet it still has, of course, had a massive impact (especially medically). And I'm aware there are many people shielding who don't have these things to make it easier to cope with, less unpleasant day by day.
I saw it explained as “we’re all in the same storm, we just have different boats”
Like you, I’m lucky to have some things which make dealing with it all a little easier. But that is true of life in general, not sure why I’m supposed to feel extra bad about it during a pandemic, nor why I should feel embarrassed about it.
I make sure I do plenty to help others where I can, but beyond that and feeling for people who have had it worse, I’m not exactly sure what I am supposed to do about it.