Longer term effects are unknown.
All we know for sure is that Covid is a serious health risk for millions.
You might personally be fine and at worse become infected and remain asymptomatic.
But you could pass it to an older person without even knowing it. You wouldn't want that.
The two mRNA vaccines have shown great results , right now, in millions. That's all we know for sure.
You seem like a reasonable , intelligent man and understand risk/benefit ratios.
You don't owe anyone an answer to this, but at least consider it for your own benefit:
* Are you refusing a Covid vaccine more for: 1. health concerns OR 2. just being stubborn and refusing to "give in" .