[patrec]

> it could be easy to think you won't get it for another 16+.

And the relevance of 16 months would be? At this point it's pretty much a given that covid will become endemic. Due to general idiocy we've missed our chance of eradication.

In the 16 months you cited Covid has become both more virulent and almost twice as infectious. We'd now need around 85% population immunity to stop it from spreading, and the best vaccines only have below 90% effectiveness against symptomatic infection, and less against asymptomatic it seems. And evolution likely still has more low hanging fruit to find to make a virus that only made the jump to humans very recently better adapted to its new host.

So even if OP only has a 20% chance of contracting Covid in any one year interval (and it's likely higher), over 10 years that's a 90% chance (and 99.5% over 25). I have no idea what OP's belief that they have a extremely low chance of contracting covid is based on (that's why I asked, but unsurprisingly received no answer).