Chas, your choice seems cautious and sensible, nothing wrong with that.
I will see family and friends over the holidays, and feel pretty comfortable doing so. Most of us are full vaccinated. I feel I am taking a slight risk, but yes it's a risk.
At work (I'm a high school teacher) I mask up everyday even though masks are optional. Most of my students don't wear masks and most are not vaccinated. I usually have 30 students students in a small class room , so that's a risky situation there for sure!
At gigs I don't mask up, I probably should, but I know it's a risk, but I feel like if I do get the virus, I'd would likely get a mild case. My overall health, fitness and weight are all good.
Normally I get 2-3 colds a year, but I haven't got sick with anything since 2019 (Knock on wood) I am sure mask wearing at school and other indoor public spaces, constant hand washing and being fully vaccinated has a lot to do with that!
Here's to a safe, happy and healthy holiday season!