I (40 yo non overweight, non smoker, non diabetic) got COVID back in March last year. I was healthy before that and got a 'mild' case by medical standards. An

I (40 yo non overweight, non smoker, non diabetic) got COVID back in March last year. I was healthy before that and got a 'mild' case by medical standards. And yet, I developed a nasty pneumonia in one of my lungs at that time. After more than a year, I still haven't recovered my full lung function. As soon as I get in a room with AC I start to cough, and my lungs are sensitive to cold weather . It may be 'just' 1 percent... But darn it sucks to win that lottery. A better measure would be similar to Expected Utility: 1% multiplied by the 'loss' value of living the rest of your life fucked up.