This is my approach, too.
For people our age, it's usually not a walk in the park to get this, even if you don't end up hospitalized. Better to wait as long as possible, and perhaps treatment will be better, or the whole thing will ramp down and not be as infectious, and the chance of getting it going forward will be less.
I have decided I am taking no risks with this (except where it's absolutely necessary) until there is a major positive development, or I get an antibody test and see I already had it.