CMIIW: The same way age segments the CFR, so does smoking, existing conditions, etc. So if you're <40, not a smoker, no existing disease, the risk is even lower.

Having said that, it's still a bad situation, since getting infected increases the likelihood of others getting infected and dying, including people in higher CFR brackets. This is not like "getting cancer" or "getting hit by lightning", because there one person getting it doesn't affect the probability of another getting it.