I've not been vaccinated, and the likelihood of getting sick for me has been zero, so far.
"20 times less likely" than zero is still zero
On the other hand, the likelihood of getting sick as a reaction to the vaccination is non-zero 🤔
Maybe you could understand it better if I added this to it:
It has been more than a year now and the CALCULATED danger to me from the disease caused by the virus is 0, SO FAR.