Deffo a personal choice thing. I never had one for years while working in the NHS because I figured I was young and healthy, complications unlikely and I had a husband who could look after me and the dogs if I became ill. I have had flu twice in my life, once when I was a teen and before there was a flu vac and then again as a young adult. It is not a bad cold or a minor thing both times I was completely flattened by it, the first time with hallucinations.
Anyway ff to now. I live alone with the dogs and it would be very difficult if I had flu, REALLY difficult if I got any of the complications, so I get the vac. I get a sore arm and 24 to 48 hours of feeling off colour and I think its worth it.