Your numbers seem to be roughly correct based on the studies I've seen. Maybe a bit of an underestimate given that the latest serological studies are suggesting a higher than originally predicted IFR, but close enough for discussion.
> I'm in the 35-44 range.
Me too. Leaving aside the danger to older people, let's selfishly consider our risk.
My baseline fatality rate is something like 1 in 1,000. That's not odds I'm absolutely wild about - I wouldn't be keen on getting on an aeroplane with a 1 in 1,000 chance of crashing - but not something I'd worry too much about.
What's considerably scarier and what you don't seem to be considering is the hospitalisation rate. This could be in the region of 3-5% for our age group. A case requiring hospital treatment could easily be lethal if you have an overwhelmed health system. Even if you survive, you may then be facing serious long-term health problems.
Odds of a bad outcome approaching 1 in 20 are a lot more thought-provoking than 1 in 1,000.
> We are creating a fear-driven
Fear is a good thing in general, providing it doesn't stop you thinking rationally. It keeps people alive.