Staying indoors is unhealthy for mind and body.
Life has to continue.
Very true. I suppose we're in a very different situation from most people as we have plenty of space and things to do to keep us occupied and exercised without leaving the property. We can walk the fields and work in the garden without getting physically close to anyone so life hasn't really changed much for us apart from going to the pub and we can't do that yet anyway.
The community groups in which I participate have switched to meeting via videoconference and that works very well - better if anything than the weekly traipse down to the village hall or wherever as it gives the less able a chance to participate on the same basis as everyone else. The very nice people from Ocado keep us regularly supplied with anything we might need, and now our local pub has converted to a shop I can pop over there every week to stock up with veggies and have a chat. And with no family ties left, we don't have the same requirement to see parents, siblings or offspring. Lockdown gives us space, quiet, calm and contentment, so we're in no rush to end it.
Your point about risk raises an interesting moral question. Of course people should be free to take whatever risks they wish with their own health. We do every day with our choices regarding eating, drinking, engaging in 'dangerous' activities and so on.
But what responsibilities do we have regarding placing others at risk? As we have seen, the major problem with the coronavirus is that we can be infected and asymptomatic for a comparatively long period before we even know we have it. That's why the R0 figure is so high, we can unknowingly infect several other people before we feel ill ourselves.
I have a reasonably robust constitution and have no great fears for myself, but that's not the case for 'er indoors or several of the people with whom I regularly interact. I see no reason whatsoever to raise their level of risk. I'm quite happy to wait until after the second spike has passed.