Yeah, the risk-reward proposition is just not there for younger people. I've got quite a few years left before I even get close to the age groups that Covid killed at a higher rate, so why not be patient?

I'd go as far to encourage it for elderly, but in that case you take the risk down as they aren't concerned about fertility issues, things that may take a long time to manifest, etc. but the reward up as the virus has been much more brutal to them.