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This assumes every year of life has equal worth.

Indeed. If you assume that earlier years are worth more, the point is even stronger.

Your calculation needs to take loss in quality of life due to a) contracting long COVID, b) suffering a COVID-induced stroke, or c) living with brain damage post-COVID into account. Furthermore, you should consider that mutations will run rampant if laissez-faire policies are implemented; a variant with increased lethality might come along and cut your life short.

I haven't wasted a year of my life. I've slightly modified my behaviour. I've done some things less and other things more.

Multiplied by however many hundreds of people one encounters over a year, perhaps your numbers need work.