The last time I saw positivity numbers from the limited testing being done in this country the rate was around 13%. That means better than 1 in 10 are infected. Being vaccinated is the only available insurance policy that might prevent someone from developing serious disease when they become infected. If 1 in 10 people you interact with are spreaders, one mask not worn properly one time, or not washing your hands after touching just about anything handled by the public such as money, is all it will take to expose you to the virus. Either your immune system works and you beat the infection or the vaccine helps your immune system do the same thing. Any assistance you can give your immune system seems to be a prudent measure as it it is looking more and more like everyone will eventually inhale this virus or one of its variants.