In case you weren't aware, the origin of the term FUD is from Slashdot and stands for "Fear, Uncertainty, and Doubt", usually in opposition to facts and indicating an agenda by the commenter. Sounds like an attack on my character rather than the argument itself, which is indeed Ad Hominem. And there was nothing indicating unfounded fear, uncertainty, or doubt in my comments. When probed for sources, I provided them, reputable ones at that.

When I say "beware saying that outloud", it's a pointer to the nature of discussion on covid, which should be obvious to anyone paying attention - and that is that if you counter a prevailing or official narrative, you will be belittled and brushed aside, often without any conclusive data to back it up. The irony is thick.