It's not about what happens to you or to your healthy friends. The major difference here is the long incubation period. You catch the virus, you become contagious, you pass it on, and a few days later you develop your mild cold symptoms. You go through it and you are fine. But by allowing yourself to get infected in the first place, you have spread the virus to an unknown number of people. Down the road, perhaps months later, if not enough people have vaccinated to end the pandemic, you may have indirectly caused deaths among the more vulnerable.

Information on contagion: https://medical.mit.edu/covid-19-updates/2020/10/exposed-to-...