I'm not terribly big on the ideas of "civic duty" or "moral duty"... especially as they are usually meant. And as you couch it, I would somewhat agree with your take if it didn't go any farther than that. However, I think it does. Assuming an egoist version of morality, where the goal of morality is the happiest life you can live over the whole of life... I still think there are good reasons to adopt many of the more precautionary steps that are being publicly urged, even if you are in a low risk group.
For example. Am I better off, ultimately, living in a sicker community or not? True, I might be low risk and might not get seriously ill, but the impacts from those that do get seriously ill won't just be limited to them... economics, public expenditure, etc. all go down this path of being a net negative to my larger quality of life personally, even though I can wash my hands, etc. Add to this the likelihood that I will miss something in my precautions either through lack of knowledge or diligence, and not doing the most obvious sorts of things you might do if you were in a relatively high risk group can still lead to you becoming a vector in your own self-harm. This isn't even mentioning the fact that, while I'm not high risk, I know and live with people, people that I value, who are in high risk groups for serious complications to an infection.
Finally, while I don't have the right to other people's behavior in general, I do have the right to self-defense and so do others; and this right is largely delegated to government. Governments rightfully, if not legally perhaps, can demand some of these things in that context.... that's not to say they'd get it right... or even try to get it right... but that aspect is important.
So sitting here from my egoist perspective, it's in my better interest to minimize outside contact almost as much as if I were in a high risk group.