The point about the 85% figure is that the R number then comes down way below 1.0, and therefore your 15% chance of catching it is vastly reduced because instead of ~200k+ people being infective there will only be a few thousand. And statisically you'd be very unlucky to meet them.
The second bonus is the hospitals will no longer be full, so you'll get top NHS support, should you be unlucky enough to catch it.
And in terms of being a carrier, Ron, you won't be any more dangerous than an unvaccined person - or the vaccine would be doing more damage than good.
But you're right, you'll probably have to keep doing the mask & distancing, if only to stop naffing the rest of the country off!
My logic says once the vulnerable and NHS staff are vaccinated (plus 10-14 days), the lockdown will ease because the death rate will drop right down. But we've got about 1-2 more weeks of horrendous death rates - the Xmas 'gift' - before things look slightly less scary. March I reckon - but start or end of?