You are assuming Biden is better. He may not be. In fact, I think he would be worse. So, yes, my vote is obvious, but in the opposite way you say, because more important than how I am today after 4 years is how do I think I will be in 4 years in each case of the two candidates. The "are you better off" question assumes the the other side will not be harmful, which is an erroneous assumption.
I always thought Trump was a roll of the dice (could be good, could be bad). I said so 4 years ago. I also always thought Hillary would be worse, and I know that to be true with Biden and the new left trying to repeal anti-discrimination laws and who want to take my guns while simultaneously reducing police protection, etc. The choice for Biden is only "obvious" to those who don't think it through.