As a golfer I usually think of "risk/reward" in terms of the benefits or damages to my final score when attempting a difficult shot over water, sand, or trees. In this trivial example there are two possible outcomes and the label of risk/reward correctly applies. I could pull the shot off and save a stroke or two. Or I could mishit the shot and hurt my score by incurring extra strokes when I should have been more prudent.
As a concerned person during the times of covid, I can boil my beliefs done to this on the critical nature of the vaccine risk and reward argument.
There is no reward in taking any of the covid vaccines. There is only risk.
If you are old and know that getting covid has a better chance of ending your life than that of a younger person, you should still not be vaccinated. Why? The vaccine will end your life sooner than getting covid would.
You may have a loved one who is immune-compromised, and think you should get the vaccine in an attempt to protect them. You now are damaging your own health, and with no benefit to your loved one.
The covid vaccines will not prevent your from getting covid. In fact, they will make you more likely in the long term to become immune-compromised yourself, and get a serious case of covid, your now vaccine-weakened body will now struggle to fight off.
Children do not die of Covid, and should never be vaccinated. Tread lightly in this area because if I recall JESUS really loves children.
The bottom line is that there is no person on this planet whose health will benefit from a covid vaccine. The only people who gain are those profiting from the world's fear and ignorance.