Thank you for the feedback and compliments. Here are some brief responses to points 1, 2, and 4:

In response to 1:

Yes, this definitely seems true.

In response to 2:

Mine does. This seems to be the case for many people in the US, at least. I would guess that private insurance companies would be more diligent about actually doing cost-benefit analyses on these sorts of issues than the people behind governmental insurance programs, though I would hope that e.g. the NHS in the UK wouldn't be too blind to the fact that conducting cost-benefit analyses of various interventions is a good idea.

I think that many people value their own lives as being worth more than the payout of their life insurance policy. A quick Google search makes it look like typical life insurance policies pay 250,000 to 1,000,000 USD, while I estimated the average person as valuing their life at 5,000,000 USD in the analysis.

In response to 4:

This is a fair criticism. I think that this would be a good reason to get vaccinated in October, or early November, before quite as many people tend to be sick.