For under twenties, "survival" is indeed close to 99.99 if you are infected. By the time you get to age 50 it is down to 99. Above 70 it is down to 90. (all rough numbers).
It does vary with health. Utah over all survival is well over 99% -- healthy Mormons. Some eastern states and other countries it is below 98.
SO you have to look at who you are and where your area is. It ain't the Black Death, but it ain't the sniffles, either.
If I told you that 99 out of 100 people who cross in the middle of the street survive -- you still might consider crossing at a crosswalk.
It should indeed be mostly your choice as to how to approach it, but beating your chest and saying "I am Invincible" isn't the best look.
I don’t disagree with you. I also think we should pay a lot more attention to the effects beyond just “survival”. For example, 5% of people infected wind up in the hospital. That’s no joke and a huge drain on resources normally used for keeping other people alive. 3% wind up in the ICU. And somewhere between 20 - 35% of those infected will suffer linger effects which can be significant and are not confined exclusively to those who are old or ill.
Oonagh Cousins was training for 35 hours a week as a British Olympic team rower. Now can’t train more than 20 minutes at a time at light intensity. Priscilla Loomis is a US Olympic high jumper who missed 8 weeks of training due to chest pains and difficulty breathing. Georgia Wilson is a professional soccer player who caught COVID-19 last year and spent the entire summer so out of breath she couldn’t run across the soccer field anymore. The Big 10 does regular heart monitoring of their athletes and found that 2.3% of the athletes who recovered from COVID-19 had myocarditis.
One thing I do notice is that the people who are dismissive of all this are never people who are dealing directly with lots of sick people.