Yeah, that's almost exactly where I'm at with things too. Only difference is that I've eaten a meal inside a restaurant perhaps three or four times in the last two months. Those are the only times I'm maskless inside. Ever.
I also agree with your projection of October-ish being about when I expect cases to get high enough that I'll opt to curb my behavior, regardless of whatever restrictions are issued. As always, I'll be watching national, state, and county-level cases per capita.
If I get it, of course I don't expect to fall seriously ill, it's just that I reeeeeeally don't want to be a vector of spread.