If you consider infection rate in your area and your own behaviour vs behaviour of an average person in your area, you can do some basic math to understand what the chances of getting covid are for you. For example I've deduced it to be around 1% per year, right now.

My behaviour is also better for society in terms of reducing the R. Even if I were to get Covid, since I go out so rarely it's unlikely I would ever go outside during a symptomatic phase.

What I'm doing for example:

1. WFH.

2. Order everything in.

3. Go see family only when infection rate is reasonably low.

4. Do sports outside.

5. Go to gym only at times when there's very little traffic and cases per day seems reasonable to me.

And trust me I do believe Covid19 is really bad, but I don't like vaccines either based on information I've gathered.

Keeping my R lower than 1 or even 0.5, I can also live guilt free. Many vaccinated people have R larger than 1.