@Gemmie I don't think you are too extreme at all!
I did very very similarly to you for most of the last three years, and only recently have started returning to the occasional restaurant etc.
It was, for me at least, easier when the culture was supporting that level of caution, with things like having a bank person meet you outside to sign a paper etc, which I have also done. But I am in a community which didn't support most covid cautions in the first place (our Sheriff publically announced that he would not enforce the covid rules the governor established), so masking rules and outdoor services were dropped as soon as people could justify it.
One thing I did in March of 2020 was go to the two or three restaurants I had most frequently patronized, and get myself a $100 gift certificate from each one. That way I continued to support them with my dollars even though I stopped coming in entirely for several months and only eventually started popping in just long enough to order takeout.
I am largely a hermit as well, and happily don't leave my property for days at a time. I'm also very lucky to live where the outdoors is not crowded, so I can always go for a walk, even right in town, and easily avoid having people near. Of course the downside is that in such a small town we all know each other and everyone wants to stop and chat, but a solitary walking route is easy to achieve.
I went months without anyone in my home aside from me, then with some discomfort I allowed in 1-2 close friends who I knew were equally cautious. But at some point I needed a plumber, then an electrician, etc. So there have been a few, but still, single digit numbers of encounters over three years. At least as the weather warms I will be able to open all windows, or to work outdoors for a few hours after someone has been inside, to give everything a chance to settle and hopefully die off.
I had a very part time job at the local library, one day per week, and they were agreeable to me making my own rules about whether patrons were masked, whether we were open only for curbside service, or whether only x numbers of patrons were allowed inside at one time (all strategies I used at various times). But as the pandemic wore on, patrons resisted, and also I was aware that NO ONE wore their masks properly. I hated that the job turned into a choice between policing people or feeling like I was risking my own health, so I ended up quitting. I was ready to be "retired" but it was largely covid that caused me to pull the trigger at the time I did.
One concern I have about WHO ending the formal designation of pandemic, is that people will (naturally) want to move on and pretend like covid and altered lifestyles never happened. Then in a few years, I predict one of two things will happen (hopefully not both):
One is that the longterm effects of covid will become unmistakeable and a return to stricter preventative standards will become necessary again to prevent those consequences, and/or
Two is that an entirely new pandemic will appear which also calls for those strict standards,
but because of fatigue and the politicization of covid that has happened in much of the world, a significant chunk of people will completely refuse to enact those stricter standards.
All MOO and my experience