I've had both shots. I know plenty of people who want to "wait and see" I say once those who want a shot got a shot, masks off. Let the laws of natural selection go to work. Insurance should not have to cover you if you refuse the shot.
The mask issue is one of enforcement. In public indoor settings masks are necessary to stop the spread and they are only effective if everyone is wearing one. Allowing those who have the antibodies to not wear one, creates an enforcement issue. Are stores going to stop and ask everyone who enters to show proof of vaccine or other evidence of immunity? Believe it or not, if mask wearing is made optional for those who have been vaccinated, there will be people who lie about that.
With that said there are some activities like eating in a restaurant, going to a movie theater, a concert or a stage show that are recreational and nonessential. These are also venues where it is normal to for the business to stop patrons before entering, to get a seat at a table or collect a ticket. It would not be burdensome for the business to check for vaccinations and no one could claim the have a right to eat in a restaurant.
The vaccine requirement is akin to the no smoking requirements. You may have the right to smoke, but you don't have the right to expose others to smoke when in a public space. The right to smoke does not trump the right to clean air. Your right to not be vaccinated does not trump my right to be in a healthy environment.
As for masks, they reduce the spread of the virus, not by stopping the virus per se, but by capturing the liquid droplets present in our breaths in which the virus resides. Some masks are much more effective than others. The least effective and actually counterproductive masks are those thin "buffs" that some wear. Apparently those masks break up the droplets in smaller droplets which allows them to be suspended in the air for longer periods of time, thereby increasing the risk of spread.
I hate wearing a mask, however, it is a small sacrifice to make if it even saves one life or one serious illness.