Believing vaccine risks outweigh their benefits probably mean you have consumed a lot of misinformation about both the risks and the benefits.
Vaccine risk is extremely low. Any death which occurs within 3 months of the vaccine is counted by VAERS, regardless of the cause. That number is currently 17,392, which gives a worst possible case of 0.0027% of all people who received the vaccine. But every death even if not possibly related is counted in that total. Actual investigation of side effects has found incidents of Myocarditis, TTS, GBS are extremely rare (measured in parts per million), and usually even the serious cases are rarely fatal if treated.
Source:
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.cdc.gov%2Fcoronaviru...
Benefits are substantial. It's been well established that the vaccines greatly reduce severity of the disease and change of death, especially if boosted within last several months. That's a huge benefit.
Source:
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.scientificamerican...
Anti-vax misinformation tries to say the vaccine has no benefit because you can still get COVID. Plenty of studies show recent vaccination does reduce the odds, so there probably is some benefit (only needs to be tiny to outweigh the extremely low risk) but the benefit of less severe disease when you do get it is a huge benefit.
What is dangerous is misinformation! The results are clear. Before vaccines, the densely populated states suffered badly and the more rural areas were much less affected. Now the situation is largely reversed, where populations more inclined to accept vaccination have lower per-capita death, and those following right-wing misinformation mostly have higher death rates despite having a natural advantage of less dense population to spread the virus.
Sources:
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.statista.com%2Fstati...
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.texastribune.org%2F2...
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.nbcnews.com%2Fhealth...
https://ancillary-proxy.atarimworker.io?url=https%3A%2F%2Fwww.pewresearch.org%2Fpo...
You said you'd be willing to hear out any plausible explanation. I'm afraid the only plausible explanation is you're terribly misinformed about the risks and benefits. If you really are willing to hear (seems unlikely) just read a few of those sources for truthful information about the vaccine risks and benefits and the real world results of the misinformation you're probably consuming.