I qualify for your first two situations. 73 and cancer.
I have never considered taking any precautions whatsoever.
And so far I haven't had any repercussions.
Am I just lucky? Maybe or just maybe this has been blown out of proportion?
I see it as the same as the common flu and I've had the flu maybe twice.
To each his own but I go by the beat of my own drum.
Everyone has a right to do however they feel. I also feel as this is way overblown. But I'm not going to ridicule people and call them stupid if they are cautious and afraid.
I'm not anyone you should listen to but with those 2 factors, i'd at least be a little cautious. Just as it isn't worth healthy people to alter their life drastically for what almost always won't kill them, it probably isn't worth you being reckless considering your health.
Hopefully you stay safe/lucky. Take care.