Generally it isn't on the individual to try to weigh something like that up. Here in the UK, at least, the Vaccine will be offered to people in order, so if you

Generally it isn't on the individual to try to weigh something like that up. Here in the UK, at least, the Vaccine will be offered to people in order, so if you are offered it, there would be no reason to defer—others who need it more should have been offered it before you and you accepting won't deny them anything.