I want to remind everyone (and I've been beating this drum a lot) that there are fates worse than death. Covid messes people up, sometimes in serious and lasting ways. Young people are seeming to get over it, and then having strokes. People are getting severe lung damage that will never heal. Severe lung damage means never riding a bike again, in a way people in this forum like.
We have very little idea who's going to get which stick. It's like helmets, you don't need to wear one for every ride, but nobody goes out saying "this is the day I get hit by a car and knocked to the ground so I better wear my new MIPS helmet."