the RNA must interact with retroviral reverse transcriptase in a manner that makes a functional complex or it will just be snipped apart and decycled like garbage.

RNA will fold and produce 2' structure this has interesting consequence. catalytic RNA, structural RNA, stabilizing or protective RNA..

[0] https://www.youtube.com/watch?v=RYwVnzYf4V8

[1] https://pubmed.ncbi.nlm.nih.gov/20358252/

[2] https://sci-hub.st/https://doi.org/10.1007/s00018-010-0346-2 [PDF]

[3] https://www.researchgate.net/profile/Tania_Matamoros2/public... [PDF]

from the paper [3] above: "Reverse transcription initiates after binding of a cellular tRNA primer (in HIV-1, tRNA Lys,3 ), to the primer binding site (PBS). The PBS is a sequence of 18 nucleotides, located downstream of the 5’-end of the genomic RNA. The viral RNA that serves as template for reverse transcription is flanked by repeat (R) sequences at its 5 ́ and 3 ́ termini."

the vaccine mRNA does not meet these requirements.

retroviral RNA is configured to function with the reverse transcriptase. Promiscuity to include other RNA is exceptional not common.

virally infected cells also undergo changes that exclude further infection so they have the cell to themselves.

i would like to say zero chance, but life is in the business of sidestepping the rules to its advantage, however you have a much greater chance of being attacked by a shark while hiking the sahara dunes.