I think what people are missing is that getting covid is inevitable, it's not a choice we can make anymore, whereas getting vaccinated is. That throws a monkey wrench into this risk/reward equation where even if the vaccination benefits outweigh the risks, people are worried about the possibility of an own-goal and how stupid they would feel knowing their personal risk profile to covid is basically zero. It's this notion of the possibility - no matter how remote - of self-inflicted harm juxtaposed with the unavoidable outcome of getting covid that messes up the equation, and I don't think it's really that irrational for many people.