What would you consider to be "taking an insane risk WRT Covid" ?
Again, this is just me, some individual on HN who doesn't matter at all in the grand scheme of things.
It boils down to breathing into other people's faces a lot, which is what I call "exposure".
I'll take a few years of not attending large indoor social functions over risking my long-term health.
This won't be forever, humans are an ingenious bunch.