I completely agree on mask efficacy - but my view on that is fairly simple. If it makes a whole bunch of other people feel a lot better and it's very little effort for me why wouldn't I? If it causes a lot more problems for you as an individual to wear a mask then don't - I don't judge people for not wearing a mask given the marginal benefits either way.
On the vaccine issues, I think the stats speak for themselves when it comes to the numbers of unvaccinated people vs vaccinated people being admitted to hospital. I've come to the conclusion that vaccines are effective. People may have drawn other conclusions, that is up to them and as you've said, not my business. Obviously this is done on a case by case basis. If you live in rural Iowa and see only three people a week - does it matter if you don't get vaccinated? Probably not. If you live in Central LA, it probably does.
The problem comes with when the conclusions of those people end up with them being admitted to hospital with Covid and reducing the total amount of available healthcare for all other things. The right of people to be unvaccinated should come with the responsiiblity to resolve the consequences of that lack of vaccination. For many people it may be asymptomatic or a mild cough - but if they've miscalculated and it turns into double pneumonia, why should they then change horses mid-stream and jump into a healthcare system? This is taking the right to choose at face value but palming off the responsibility for that choice to everyone else.
Private businesses are extensions of private people or private groups. I guess it's down to them to set their own rules (or not set any at all- which is your preference). Either way people are going to be pissed off and that'll factor into their assessments. That's the nature of business though - market forces will win out on masks or no-masks or vaccine passports in a given area.
Thanks for adding to the discussion - always nice to debate. :o)