It's quite rare to be incidentally hospitalized. If you are hospitalized, you are very very sick. You don't get hospitalized for a broken arm, you get a cast and maybe some painkillers and you're sent home.
If you are sick enough to be hospitalized, you are likely to be sick enough that COVID is dangerous to you and requires medical attention.
The vast majority of people hospitalized with covid have long term side effects. You need to be seriously in bad shape to be hospitalized. See: https://journals.plos.org/plosmedicine/article?id=10.1371/jo...
Since we're doing anecdotes, I have a friend who recently got an infection (not COVID) that left him bedridden and so dizzy he couldn't walk more than few steps, the doctors decided against hospitalization as he presented to the hospital because his symptoms were too mild. They ran a few tests, determined it was an infection, prescribed antibiotics and sent him home.
So yes, hospitalization is a very good predictor. Fyi, hospitalization rates for the general population is right around 0.1%, more or less, and definitely a lot less for people under 40, in normal times