If you die of Covid, your loved ones will not care if the chance of that happening was low. You won't care either, you'll be dead. All it really takes is that one previously-undiagnosed comorbidity to put you in the front of a the line for a casket-fitting even if you're young(-ish).

If you survive but get permanent damage e.g. due to the blood clots that a lot of COVID patients develop, or due to the side effects of medications and treatment e.g. (partial) blindness from high-dose steroids or reduced mobility up to no use in your limbs especially your legs due to ECMO, then I am pretty sure you won't be running around (in the latter example because you physically cannot anymore) telling people how COVID only kills so-and-so tiny percent of the population.

Even if you escape realtively unscathed, spending a month or two in the hospital followed by some weeks of recovery or in a rehab facility (e.g. to learn how to walk again after a few weeks of coma and maybe some ECMO hoses in your legs), then that probably still would be an experience you'd like to avoid.

And that isn't even yet considering what effects you may experience in the future, "long covid" and all that.