The theory with heard immunity is your body builds up some immunity but like the flu, it changes every year, the problem right now with covid, is that there are two major variations (currently) Delta and Omicron and so the body has to fight off two mutations which in theory, can then cause more unknown issues in future as those two evolve and change again, so herd immunity isn't necessary as ideal as it was before.
The biggest worry, is what will come next or even after that in a few years time, which could be more dangerous, as some have already speculated.
Cold, Flu, Covid mutations, we may never find a total cure.