So, read an amazing article on vaccinations and it appears that most people (including myself) have misunderstood them and are overestimating how much they reduce risk against the riskiest scenarios.
Key takeaway - vaccines are more like a seatbelt than invulnerability - they help reduce risk especially at lower risk situations, but high risk you're still at serious risk.
Essentially vaccines increases resistance to the virus - 20x-50x resistance for the first 2 months following your second vaccination for Pfiser, however resistance decreases to 3x-8x after 3-7 months. That resistance can be overwhelmed by high viral load exposure - for instance being around people singing or loudly talking (bars, crowded restaurant) increases your viral load exposure 200x-400x and can be 800x-1500x in enclosed areas. I'd assume this also would be true for gyms.
Also super spreader individuals (about 3% of the population) have viral loads 50,000x-100,000x (I'd no idea it was so incredibly high)
So being vaccinated offers protection, but nowhere near enough for 'back to normal' for me. Things I was looking forward to doing (going to karaoke, maybe chilling at a sports bar, competitive team sports, indoor workouts) - I probably won't be willing to do unless I know that everyone with me has been vaccinated and is still being reasonably cautious.
To return to normal really requires herd immunity where the virus can extinguish - and we need to achieve it before a extremely nasty mutation comes along and given the above, the level of vaccination we need is probably way higher than we were anticipating.
For those interested in details see
https://coronavirus.quora.com/Here-s-what-I-ve-seen-about-Covid-resistance-from-a-natural-infection-b-1st-generation-vaccines-primarily-Pfizer