That's true. Still as someone with anxieties I find it a useful perspective to assess personal threat level.

First reaction is "I need to avoid becoming infected at all costs". However, the costs are steep. An extreme plan to “sit at home with a month’s worth of supplies” seems plausible, but it would not be healthy to reduce movement so much and if everyone suddenly starts doing that there will be issues with food availability in the area (I live in HK).

If I am statistically so unlikely to die from this infection, I am going to take measures that prevent me from spreading it to someone who isn’t, but I won’t e.g. panic and call police if someone without a mask is near me.

Yes. But not threatening for the human population at all.