Nice writeup! Agree on all points.
Many people may refuse for reasons other than scientific and risk-reward, such as political reasons in general and personal liberty in particular.But appealing to personal liberty to refuse vaccines brings up more expansive questions of how it interacts with personal responsibility:
1. Cancer patients, children, or other immuno-compromised people cannot get immunized
2. You'd introduce a burden if you fell ill and required the consumption of very scarce healthcare resources.
As a distinct issue, mRNA vaccines have the potential to address immense suffering and death in other areas such as Multiple Sclerosis, influenza, Zika, and even Cancer and to clear away inter-neuronal plaques.
Arguably, the accelerated development of mRNA vaccines during this Covid pandemic could pre-empt a much larger amount of suffering and loss of life in human-years.
Anyways, 15 days out from my 3rd Pfizer shot and I'm thankful I could get one.