Sorry, I was only disagreeing with the summary "You're mostly fine [because you are fully vaccinated]". I agree with everything else you said. My only disagreement is that I read "you're mostly fine" implying that it's still ok to resume (or in this case continue) regular activities. In my opinion, that is definitely no longer true if you live in or near an area with overburdened hospitals, and at the very least changes your calculations in other areas because it's again important to reduce transmission.

Before Delta, I felt like reducing transmission was good but not that important compared to the disadvantages of isolation. Delta shifted the tradeoff back in the other direction. How much is debatable, but personally I feel that quite a few activities that were ok, aren't anymore. I'm definitely still doing more than pre-vaccination, though.