How has it affected me? Well, I am still a student so it has quite a lot. I've obtained 6 months of free time (although online schooling did surprisingly take up a bit of time during the weekdays) to just hang out and relax which was very nice. I haven't had this long off of school since before I even went to school.
It does certainly limit the places I go and where I want to go if I want to get things done. However I don't fear for my life at all since I am young and I have no health issues whatsoever. What surprised me is that, although there is no sight for a cure, we are going back to school.
Where I live, in a certain county in Michigan, 1 in every 88 people have a chance of being infected. My school has around 1,500 students. I trust masks and what they will be doing to prevent us from spreading it, but I am really shocked it isn't in stage 3 yet (iirc, that's the mandatory stage in which we do online schooling). Right now, it's an option of going back or having a third party teach you online. I'm going back so I can get the best education I can.
I'm happy with how Michigan's governor handled our situation. Michigan went from the 4th worst state down to the 14th worst state. The cases are rising here and so are the deaths, but they aren't as crazy as others. We get on average 200-600 cases a day and that has not changed since COVID shut us down, showing that our measures do work and it's not as exponential here as it is in other places.
I'm very disappointed in our president throughout this entire pandemic though. Seriously, "stop testing so no more cases appear" how awful is that? The government and the people of the US could be handling it a lot better. The virus is real, stop pretending it isn't. Don't disrespect the hundreds of thousands of people dying worldwide from this incurable and exponentially growing virus.