Three factors went into my decision:
1) what are the odds I will contract C19
2) what are the odds of getting seriously ill/dying
3) what are the side effects from the vaccine that can be reasonably expected
Most everyone I know who got the shots got really sick with the second being the worst of the two. Not deathly ill, but certainly sick enough to hate life.
"Sicker than a shit eating dog," as us Southern trash are wont to say.
If I got the actual virus - assuming I haven't already and was asymptotic - I would not be THAT sick. Also, the highest mortality rates are among the elderly and obese; groups I do not belong to. I'm no more concerned about C19 than I am any other form of influenza.
Weighing the cost-benefit scenarios: I don't fear the vaccine, but I see no reason for getting it as the odds of my dying from actual disease are vanishingly small, but the odds of me missing days of work are substantial. The odds of getting C19 are happenstance (again, assuming I haven't already had it) , whereas an injection is an absolute introduction into my body.
I'm not anti-vaccine, I recommended it to my 87 year old father, but I will politely decline.