The logical decision here involves civic duty. I certainly fit into the low risk category, etc., but I also exist in society and am a willing participant, and as such have certain responsibilities to other people in my community.
American individualism also tends to downplay a person's responsibility to anyone outside their family, which some even restrict to their immediate nuclear family.
It's a shame, and I think it's one of our biggest failings as a culture. Ironically this is one of the few things where the American left and right are fairly on the same page, even if most won't admit it.
(I'm painting a pretty dire picture here, but it really isn't that bad. Communities exist everywhere, and people who care about others exist everywhere. It just seems like when the chips are down, people tend to turn inward rather than outward.)
Also, if vaccination doesn’t change the risk enough for you to drop some of the other precautions, that also lowers the perceived value of the efficacy of the vaccine as well.
and civic duty is voting, educating yourself on policy issues, obeying reasonable laws, and tolerating and even celebrating differences of perspective and opinion. it's about participating effectively in our democratic republic. it doesn't encompass every possible responsibility to every other human, like the term 'moral duty' might.