The problem with both the flu and pneumonia is that the encounter serious enough to convince you that vaccination is a good idea may also be enough to put you in the ground. My Mom famously never got sick and also avoided vaccinations. Then, last year, at 70, she got the flu, followed by pneumonia, and it almost killed her. She's in great shape and with her family history ought to be able to live another 15-20 productive years. She gets the recommended vaccinations now and I'm really happy about that.