Yep. It was one of the reasons I phrased things a certain way earlier...
In a benefit/cost analysis of the personal choice to wear a mask, it's true that there is basically (IMHO) no downside to a mask, if you're looking only at social / emotional / physical well-being...
...yet I don't wear one except when required. When I have the personal choice not to wear a mask, I do not wear one.
The reason for that is purely comfort. I don't like wearing it. It fogs my glasses. It's annoying.
I'm taking a larger risk with my own health by doing so. I have more potential to be an asymptomatic carrier and pass it to someone else by not wearing a mask. But I am making the choice for my own health and I'm comfortable with my choice, and someone who I'm around who isn't vaccinated is clearly comfortable with theirs.