You seem like you're missing the point. It's not about you. Contagion is a lottery you play on behalf of other people. You will probably not die of the covad virus even if you contract it, but you can kill other people if you get it and don't stay home.

If one of those 100,000 people had the thing then by now many many more of them have it and are now vectors.

Paraphrasing Lord Humungus, "Just stay home. Stay home for a few months and there will be and end to the horror. Just stay home." (The bad guys are the virus, the good guys and their gas is your health, and Mad Max is the guy cancelling your event. It's an imperfect metaphor.)

"Just Walk Away" Mad Max 2 - The Lord Humungus https://www.youtube.com/watch?v=ZfL4xKQeSfo