Still a chance that I won't get it. Endemic also means that it's constantly mutating, like the flu. I may never get the current strain of COVID-19.

Yeah, but the next strain could be even worse. You seem comfortable playing the odds if you can be passive while doing it instead of making the active choice of getting a vaccination, even if the odds of the worse thing happening is many orders of magnitude greater.

That's because of the Precautionary Principle. Also, as viruses mutate, they tend to get less dangerous.