The risk of long COVID sticking around in immiserating form long-term once you have it is unknown, but the risk of getting long COVID (defined along the lines of at least a few COVID symptoms sticking around for a few months) is much higher than the risk of death from Flu (starting from the assumption of not yet having caught either in a given year). I hesitate to post anything here on this subject that's not carefully worked out, so all I'll say is my personal back-of-the-envelope order of magitude calculation based on public data, comparing with other per-year risks such as cancer, didn't give me any confidence at all.