You are failing to account for identity politics.
I think it's far more likely that the expressed reasons you cite are, for many (I'd bet 15-20% of the population), just rationalizations for the underlying reason which is that being anti-covid-vaccine is now a part of some folks political, cultural, and/or religious identity.
And it is damn tough to break through something like that. That's doubly true when political and religious leaders are actively pushing people to not get vaccinated.