I'm far from complacent.
I have stuck the letter of the 'law' for the last two years. Had all my jabs. Isolated whenever required to, to an almost obsessive degree.
My wife is immuno-compromised (bronchial issues since young adulthood), but I have no known underlying issues. However, I have done literally everything I can to protect her. But, it obviously wasn't enough, and she caught it before Christmas. Her symptoms, though were relatively mild even given her issues, and she suffered what could be described as a heavy cold. When I picked it up from her, as I inevitably would as I wasn't dancing around the issue for 10 days so just allowed myself to be infected, I had a very mild runny nose type of headcold.
Our antibody 'banks' are now pretty much as highly-stocked as they can be, yet we still maintain all the prescribed hygiene requirements, and will do until some plum in 'government' finally takes the brakes off.
No, I'm not complacent. Just realistic.