This analogy continues to miss the mark, bigly
1. I don't wear a bullet proof vest because I am near zero risk of getting shot on a daily basis
2. You can wear your bullet proof vest out of fear of being shot. But making me wear a bullet proof vest gives you no additional protection
The analogy works in relation to protection. That's the intent. A bulletproof vest is protection in the event you do get shot. It reduces the chance of you dying. It's not perfect, it's just protection. The same is true with the vaccine.
As for where it breaks down, it doesn't break down because your risk of getting shot is zero. It breaks down because bulletproof vests have higher costs. They're expensive, they're bulky and uncomfortable, clothes aren't made to fit over them, etc.
Now suppose you're shopping for a shirt. You have two shirts that are identical. The only differences are that one has been treated with some amazing new polymer so that it's bulletproof and the bulletproof one costs 50 cents more. Do you buy the bulletproof shirt or do you buy the normal shirt?
Your risk of getting shot is near, but not quite zero. This shirt is likely to never need its bulletproof quality. But in the rare event you do need it, the payoff is huge. Also, the cost now is minuscule.
That's where we're at with the vaccine. The cost is tiny. And while your risk might be tiny, in the event something bad happens, the cost is enormous. It's perfectly logical to pay a tiny price to avoid a potentially massive cost. It's why I have life insurance. The risk I die during the policy is tiny but if I do, the financial loss to my family would be huge. The cost of term life insurance to me is also tiny. I'm willing to pay that small cost to avoid the potential large risk.