So COVID is in fact very dangerous for 40-year-olds. Pose a thought experiment: if someone said "would you go out drinking with your friends tonight if there was a 10% chance that, for the next 12 months, you'll be 5x as likely to die in a car crash than baseline?" I would say "absolutely not, why would you even ask me this?" and I certainly wouldn't take that risk over-and-over again for such a petty reason.