5G requires far more towers than 4G or 3G before it, and if biological damage is possible accumulated risk when measured over an entire population can still be problematic.
Ultimately this isn't simply an issue of "personal risk." If there's no danger, there's no danger. But if there is and you live in a major city simply not owning a cellular device may only lower your exposure.
None of what you say is false, but without numbers it's impossible to compare to other sources of danger. And like ionising radiation, you need to compare to background levels. How does it compare to, say, the sun? Or EMC emissions from motor vehicles?
Ultimately this isn't simply an issue of "personal risk." If there's no danger, there's no danger. But if there is and you live in a major city simply not owning a cellular device may only lower your exposure.