I agree with you. But erring on the side of caution rather than a middle path IMHO. Part of the risk calculation we make here is that lots about this situation is new ground, and new things are figured out as it's gone along. Scientists made their best guesses early on and kept investigating, and know lots more now than before, and we'd rather be safe than sorry. Schools are safer than previously thought. But other indoor situations are worse than thought. Social distancing indoors is for the birds (no insults intended!). Some nerds just released a study showing how social distancing indoors, unless you're wearing a great mask, is useless and pretty dangerous. The example was to think about how you can tell when someone is wearing perfume in about a minute in a room, even when they are ten feet away. Open air is best. Small enclosed spaces are worse than large ones.
In the U.S., one thing we've learned is that Americans are idiots to a great extent. The situation as we see it is that one must assume it is everywhere, because thanks to a lot of ignorance, denial, and willful bad behavior, now it actually is everywhere, and it's worse than in the Spring. There's going to be a lot more death here, I'm afraid, and lots more disability in those who survive, due to the aftereffects. Lots more. It is painful to see this happening especially when other countries have done so much better with it.
For me and my partner, caution is the better move and phone calls and Zoom are the order of the day for socialization. My uncle was killed by it in May - he got it in the Assisted Living place he was in. Our friend in the Adirondacks had it early on, in March (he did pretty well but said, "It's no joke"). My drummer's sister has it now very badly. On oxygen with double pneumonia. Her husband, who normally works from home, decided to fly somewhere recently on a business trip, came back & felt bad and didn't think it was anything until he got much worse days later. She's not on a ventilator yet thank God.
The lasting damage is real for many people who have recovered. Some don't seem to recover for months.
So we feel we can keep doing this, though it's hard. We are lucky in that we can afford to. We doubt we'll be playing gigs next summer at all. Some people we know on my hill say, when they're going to a party or an event with unknown numbers of other people, "Well, but you gotta live your life!" To which my DH said, "Yeah, but 'live' is the operative word there."
Sorry / not sorry for the rant.

The Walmart scares me, not my neighbor who just left our island for the first time in five years (he had to buy a new motorcycle). I know he’s “safe” and he trusts us to take all possible precautions in high risk locations. Otherwise his chickens would starve and he might just cross the edge from the Old Angry Weird guy that scares a lot of people with his appearance and mannerisms, to actually becoming a danger to himself or others. He doesn’t have a computer, or so the internet, no cell phone, and there are precious few people that talk to him.