You are not being stupid. As I said previously, each of us have to do what we feel comfortable with. And, that will be different for each of us.
At nearly 80yrs of age, I have chosen to live my life as fully as possible. No idea what is actually going to be the death of me or when. Was pretty careful in the early months, but did continue to go out most days. And, never stopped my weekly supermarket shop.
Now I am more than happy at visiting and being visited by people. Delighting in it TBH.
I find very concerning the doom mongers and those horrible terrifying slogans they have come up with (eg: Better two feet apart than two feet under). And it is simply not true.
The overwhelming majority of people who catch this virus are not dreadfully ill and most definitely do not require hospitalisation. Even for those very few that do, then the understanding and treatment is improving rapidly.
We just cannot avoid all dangers in our lives, to do that means we would never go in a car or any form of public transport (think of the number of RTA's), would never fly anywhere, ever. Would never eat food we did not grow ourselves, would never cuddle or come close to any other human being ever. Even, things like using electricity, telephones, computers, etc. carries inherent risk. People have done this - enclosed themselves in a bubble, led very unhappy lives and, obviously, still died.
We are human, we are born, we live, we die. This current virus, whilst virulent insofar as infection is concerned does not have a high morbitity rate compared to many others in the past.
So, these days, I am living nearly a normal life. Go to shops (obviously wearing a mask), go to beach, to park, zoos, etc. go to visit people, have visitors in my home, both friends, staying with me, and tradespeople. Okay, I wash my hands rather more than I used to (just soap and water), but that is all.
I really do intend to enjoy whatever life I have left, and that includes seeing and cuddling my wonderful adult children and eight g.children (well, at least those of them young enough to permit any adult to 'cuddle; them!!).
But each person needs to make their own decisions, and if doing some action is going to lead them to having 14 or 21 days of worries, probably not ready for that action yet.