Yeah, it's "long Covid" and permanent organ damage / permanent disability that have me worried. IMO, focusing only on the death rate is a bad metric, and bad metrics provide incomplete data, leading to bad personal decisions. My 2c.
That's my take, too. At age 51 I should still have some good years left; I have no wish to spend them crippled with heart & lung damage and a cognitive fog from Cov-2!