Stop pretending that there is a fallacy involved in addressing an issue of public interest.
Your fallacy is in your cost-benefit analysis. You only looked at short-term complications from vaccines, most of which are non-lethal.
There are no long-term complications known for that or any other vaccine, meaning morbidity or mortality appearing a year or more after the injection. When severe complications have arisen from vaccines, such as Guillan-Barre following flu shots in the seventies, the onset was generally within two months and always within six.
But we do know of long-term complications from viral infections. You probably know that shingles is long VZV (varicella-zoster virus) and that AIDS is long HIV (human immunodeficiency virus), but I don't think most people realize that cervical cancer is long HPV (papillomavirus), Multiple Sclerosis is long EBV (Epstein-Barr Virus), Alzheimer's is long HSV (herpes simple virus), and liver cancer is long HCV (hepatitis C virus). It's obviously best to never get that infection, but if you do, to have antibodies ready to limit it already in the blood stream to prevent or minimize deep-seated tissue infection is desirable.
You didn't consider the dramatic reduction in mortality and severe morbidity from the infection in the vaccinated.
You didn't consider the significant reduction in long-COVID in the vaccinated nor irreversible organ damage from the infection:
LUNG
New study into long-term impacts of lung damage after COVID-19 – UKRI
Study examines the effect of long COVID on lung health (medicalnewstoday.com)
KIDNEY
Kidney Damage Another Consequence of 'Long COVID' (webmd.com)
Long-term effects of Covid-19 on the kidney | QJM: An International Journal of Medicine | Oxford Academic (oup.com)
HEART
The COVID Heart—One Year After SARS-CoV-2 Infection, Patients Have an Array of Increased Cardiovascular Risks | Cardiology | JAMA | JAMA Network
COVID-19 (coronavirus): Long-term effects - Mayo Clinic
BRAIN
Severe COVID-19 can trigger drop in IQ similar to aging 20 years, study shows - UPI.com
Study Finds COVID-19 May Lower Intelligence (webmd.com)
None of this analysis considered civic duty, financially breaking households with medical expenses, in the cases of severe long-COVID, the loss of the ability to work, and orphaned children.
If you're one who has had an adverse reaction, perhaps the vaccine isn't for you, but everyone eligible ought to take it to find that out, because as I said, it's usually non-lethal and most people don't have significant reactions apart from the desired one.
And if you're immunocompromised, it might do little or nothing in the way of generating a protective immune response, but unless vaccines are contraindicated, even those people ought to take the vaccine and hope for some protection.
The cost-benefit analysis is a no-brainer for those eligible to take the vaccine.