I think one of the key pieces of information missing in the above calculation is the benefits of the vaccine to the general population around you. That is a big piece that government officials, celebrities, and even people on this board are advocating. There are benefits to society as a whole if we can get above that 70% number, and adding that to the personal risks of the vaccine and personal risks of Covid may change the decision. The decision to get vaccinated has an altruistic component as well as the personal risk/protection one.
When I hear people talk about why they got vaccinated, it often isn't all about protecting them, but about being able to see more vulnerable relatives and protecting those relatives, or it may be about protecting people that are vulnerable that they already have to be around. One of the things I was looking forward to the most was spending time with my parents again. I hadn't seen them in well over a year, but I waited to spend a weekend with them until we were all fully vaccinated. It is a bonus that maybe I will be able to take a cruise later this year.