It's the other way around - for any given chance of you getting COVID, there's a (to use your number) 3% mortality rate - if you take the vaccine - that outcome changes because you now have much smaller risk of infection, to 0.15% chance.

Your choice is between 3% and 0.15% - not 95% and 97%.

I don't think this individualistic way of looking at things is sound, though. First 3% mortality sounds way high - even given health system collapse (basically turning every ventilator survivor into a dead patient).

And on the other hand, mostly the old and those with pre-conditions will die - we alltake the vaccine to protect everyone. That way we might avoid a population wide 0.5% (or thereabouts) mortality rate.

That would still 1 in 200 - most people would likely know a handful of people dying from the disease if there's no mitigation.