COVID slows down all the time. Have you ever looked at a case graph? It comes and goes and the risk is not 0.2% per day, it's 0.2% or lower per infection which given that natural immunity works better than vaccination, basically happens and for many people (like me) appears to have actually never happened. But even if you assume a 100% chance of being eventually infected, it's not anything close to 0.2% per day.