COVID-19 vaccine efficacy

Some vaccines are one-and-done, like measles. Others are annual events, like the seasonal flu. There's new data as to where on that spectrum the COVID-19 vaccine lies.
Why is so much attention being given to those who refused to get vaccinated? Why would someone trade the safe harbor of vaccination for the risk of death from COVID-19 and its variants in the tradeoff calculus?
Phase III trials put the efficacy of the two earliest COVID-19 vaccines in the mid-’90s, certainly more than we had hoped. The word on the media “street” has been that vaccinations result in fewer hospitalizations and no deaths. The CDC is now reporting on “breakthrough infections” since the beginning of the year.