I fully admit that I am not up to speed in proven COVID-19 medium- or long-term effects beyond having seen headlines, but to essentially assume none when there have been very obvious and multi-faceted indications of them implies you must have a very good basis of research to base your estimate on. Care to share?
For example, IFR(age<65) in geneva[0] is 0.0045%. multiply by 10 to include also long term harm, you get 0.045%.
[0] https://www.thelancet.com/pdfs/journals/laninf/PIIS1473-3099...
I will note that the cited 0.0045% infection fatality rate number is quite old/outdated (June 1st). It's not easy to match different areas under the age curve (which seems to be exponential) and that it can vary a lot by region, but here is a review paper which has your number for ages 0-34 (Table 3) and (substantially) higher ones for ages above that:
https://www.medrxiv.org/content/10.1101/2020.07.23.20160895v...
I model the potential harm based on a similarly rushed vaccine of 1976 which caused a large increase in cases of Guillain-Barré Syndrome [0]. Longer trials and phase IV monitoring was instituted in response to this rushed vaccine.
[0] https://en.wikipedia.org/wiki/1976_swine_flu_outbreak