The vaccines are 95% effective, yet someone who has not yet seen the studies showing their 95% efficacy would be told "The vaccine won't stop you from getting COVID" will understand the statement as meaning that they're worthless.

It is absolutely misinformation, and no playing coy and claiming "But it's only 95%, not 100%, so the statement is still true!" is going to change that. It's nothing more than a technically correct "WELL ACKSHUALLY", except in the case of COVID, it's not just a distraction, but a dangerous statement that is literally costing lives.