I can remember both my nan and great nan dying. They both had pneumonia before they died. Neither died of pneumonia, in fact my nan technically was dying from June onwards of that year for 6 months, something that couldn't be prevented but she didn't tell anyone about it until an ambulance had to be called.
The fact pneumonia existed didn't change the outcome. It was on the death certificate but that isn't what she died from. It would be too easy to suggest that it was the difference in the end when whether or not it was there, it probably only would have prolonged it for a few days at most.
Point I'm making is , the existence of something that may have 'killed her' didn't either, if that makes sense? If you collated all the died with pneumonia patients in the country , you would include that but ultimately it made no difference.
So with and of in a 90% vaccinated society is a valid point whether you agree or not. 12 months ago, 18 months ago when vaccines weren't really a thing then there was no way to determine the two. Now you can, because if someone in their 90s died testing positive for covid for example, doesn't mean that's the reason. Same as a healthy unvaccinated 30 year old is a good chance that it was covid.