You are looking at the wrong metrics even if there were any validity to them. Random testing on 4,611 participants (in the Indiana study) might be a sufficient number if the tests results were accurate and those tested were truly selected at random.
According to a World Health Organization report, my situation at age 75 places me in the 8% mortality category which translates to one death in 13 patients. Not a risk I am willing to take. At age 60 I would be in the one-in-28 bracket which might be tempting. I think that one must assume that they will become infected and weigh the impact on them and their families on that basis.