I did the same calculation and came to a similar conclusion. Here's one such calculator: https://www.qcovid.org/Calculation. There are others based on more recent data, as well as papers and government data with age-stratified hospitalisations and deaths by vaccination status.

Many seem to have forgotten life is not risk free.

We weren't talking about mandates, but I'll bite. The difference is you don't have to trust the government to know seat belts save lives; the law on seat belts is common sense to anyone of sound mind. On the other hand, show me anyone who can see that getting an injection of some vaccine of unknown (to the average recipient) content and function is common sense. Note that I'm NOT making ANY claims about the vaccine efficacy or danger of lack thereof, simply that a typical individual can't look at the clear liquid in the syringe and innately know that it saves lives. It necessarily requires faith in government or medical institutions or doctors who tell us they are safe. Seat belts don't require such faith, so such mandates can't be compared like for like.

> On the other hand, show me anyone who can see that getting an injection of some vaccine of unknown (to the average recipient) content and function is common sense.

no one possesses full knowledge about everything in the world so trust is part of life.

When you get a prescription do you trust the doctor, the pharmacist & the pharma co ?

When you get on an airplane- do you trust the crew & the FAA ?

When you consume food you trust the cook & the FDA?

It’s trust all the way down - of course it’s all ok until it isn’t

People who are afraid of or at risk of covid should be the ones staying home. Not healthy people.

Since the vaccines alleviate symptoms but do not prevent transmission, wouldn't the vaccinated be more likely to spread unwittingly?

Yes, not my problem.

Would you be in favour of applying this policy to all people displaying behaviours deemed at higher risk of requiring hospital treatment? And who should decide what constitutes risky activity?

Not common and certainly changing in some ways but for example smoking had been deemed high risk. There are ways to model the risk here for at least some activities. Eg do you have a lot of speeding tickets? Car insurance goes up.

No, why would I pay more? In my country everyone pays the same health insurance contributions and gets the same standard of treatment.