So far, the "long-lasting effects" have mostly been self-reported, based on surveys of people who self-select as "long-haul covid victims". Moreover, when you look at the list of symptoms, they mostly sound like depression and/or lingering cold: headache, fatigue, cough, insomnia, etc.
There have been a handful of studies based on NMR surveys that report cardiac inflammation, but several of these have been debunked completely, and the others are of questionable methodology (i.e. using ML methods to auto-find "abnormalities" in libraries of NMR scans, and reporting everything they found).
It's not to say that there won't be people with long-term symptoms, or even that there won't be people with severe long-term symptoms -- that happens all the time, for viruses we consider innocuous. The question is: at what rate, and how much risk is there relative to all other risks?
Nobody has come close to answering that question, but it seems fairly unlikely to be of high risk, considering that we've now had 34M cases worldwide, and we're not seeing huge numbers of debilitated people overwhelming hospitals.