It's a good thing you have told us about your disability. Without knowing that it would be easy to get annoyed.
The UK studies suggest that against the Delta variant, which is now dominant in the UK and is far more infectious than the original strain, the vaccines are 90% effective at preventing severe disease - the kind that gets you sent to hospital. That means your chance of severe disease if you are vaccinated is reduced to 10% of what it would otherwise be.
However, your chance of testing positive for the virus, i.e. getting infected, is only halved by the vaccine. That means you can still catch it and can still spread it, though the chance is reduced by half. So masks, which reduce the chance of an infectious person spreading it to others, are still a good idea.
Given that the vaccines only halve the infection rate, and presumably only halve the transmission rate, and given the high R0 number for the Delta variant, it is very hard indeed to reach herd immunity. My own view is that we will have to live with covid circulating along with colds and flu, as just another respiratory diseases you can catch. However, if everyone has either been vaccinated or has some immunity from previous infection, an individual's chance of needing to go to hospital with it will be fairly low. So we may be able to just put up with it.
Unhappily, this likely state of affairs mean that there will continue to be the potential for new variants to be bred in the population. So we may well be constantly playing catch-up, with tweaked vaccine boosters, just as we have to with 'flu'.