I'd posit that you're both not wrong. It's clear that we don't have any clue about what some of the long-term effects of that may be. And it's also clear that we can't live in fear.
That said, I personally think it is naive to think that this only adversely affects the elderly, infirm, and those with underlying conditions. I won't live in fear of it, but I will be cautious where I can, and not assume that if I do get it, I will be asymptomatic. There are literally thousands of cases where very healthy people have become sick, or died, from it.
I understand that people who are healthy have died. Based on what was release by the CDC 94% of the death by Covid had co-morbidities. That means based on the number of deaths so far (194K) in the US approximate 12,000 death had no other health issues. What we don't know is how many of them were over 65 with no other issues, but let's just assume that none of them fall into that category. There have been 6.5M confirmed cases of COVID. We don't how many many of them had co-morbidities. Let's assume that only a third of them had no co-morbidities (it is likely the other way around).
so 12,000 deaths out of 2.2M cases means a death rate of .00055% if you have no co-morbidities. You are more likely to die in so many other ways.
Did the numbers quick, so feel free to check my math or take issues with my reasoning.
And yes, I still believe in being cautious, I am generally risk averse