Take a closer look at the mortality rate from COVID, and then take a closer look at which pre-existing conditions people who are being hospitalized largely have (all easily found on CDC's network of reporting hospitals, at least for the US). It would appear based on these data points, that the vast majority of people have nothing to fear, neither death or hospitalization. However, if you're in the growing minority of folks with chronic obesity, hypertension, and diabetes (the "holy trinity" as my ER-doc friend says), you might want to get a vaccine, but understand the effectiveness will be severely lowered by your conditions.