kill rate is probably lower than a lot of official statistics if you subscribe to the following:
1) as there are many people who only have mild symptoms and never presented to be tested for cov19 - so there's more people have it or had it but not known about it;

2) generally people who became severely ill will be admitted to hospital- whether treated or not - death from Cov19 will generally be accurately recorded;

Therefore actual kill rate will generally be lower - obviously this assumes accurate records have been kept for the dead and for political purpose they have not been under reported.

From a personal level, all one can do is to keep your body well/fit and avoid most likely places for infection