The benefit is that regardless of your personal risk tolerance you're part of a dynamic system where every individual's risk is a multiplicative factor towards the population risk. It's more irresponsible , not less, for you to avoid it given your chosen priorities.
Externalities are a thing, and are the main reason why I'm taking any precautions at all. Nonetheless, the same factors which make my own risk small also make my ability to pass it on to others small. This risk is pretty far below the threshold at which I feel obligated to make extraordinary efforts to drive a small risk down to zero, especially as vaccination of the highest-risk populations continues. (I might pass it to someone at the grocery store, but the odds that I give it to someone who suffers serious consequences goes down as the most vulnerable people are vaccinated.)
As others have pointed out, there is definitely some risk, which I don't deny. The question is: how much? And how much is it worth it to avoid that risk? My answer is "very little" and "not worth the trouble."
3Zuper
If you are truly staying in your house, and not going indoors anywhere with people from outside of your household (ordering grocery delivery, working from home, etc.) then I can see avoiding the vaccine until later, as you wouldn't really be a risk to anyone else. But if you are still grocery shopping, or running any other errands inside or stores, then every time you do so you are putting everyone at some level risk.
On a related note, I find it strange that many of the groups hardest hit by COVID are also the groups least likely to get the vaccine. If anyone has any insight into why this is the case I would love to hear it.
The benefit is that regardless of your personal risk tolerance you're part of a dynamic system where every individual's risk is a multiplicative factor towards the population risk. It's more irresponsible , not less, for you to avoid it given your chosen priorities.