Vaccines significantly reduce transmission, so if someone is telling you they don't, you need to re-evaluate whether you should trust that person and any information they're giving you.
(P.S. SARS-CoV-2 is a virus with airborne transmission that loves nasal passages, so it's probably pretty important that your mask cover your nose. So far, there's no evidence that the virus cares at all about how much money you have in your hand.)