Except I get to make the risk assessment for myself not someone I've never met.
You might be qualified to make that assessment. But you'd be in disagreement with most of your peers.
https://www.nbcnews.com/news/amp/rcna2074
https://www.rollcall.com/2021/11/17/fda-to-sidestep-advisers...
Vaccines optimally work if we don't, and instead think as a community.
The hard part is deciding when. It is extremely easy to postulate hypotheticals if utilitarianism has no limitations.
Vaccine mandates (in general, regardless of today's SCOTUS decision) remain constitutional: https://en.wikipedia.org/wiki/Jacobson_v._Massachusetts
In fact, you are perfectly within your rights to elect a state government that requires vaccination for all citizens.