I recently took the Pneumococcal (polysaccharide) - Pneumonia vaccine. It is a lot of extra antibodies for very little money. Better to have a lot of friendly antibodies in reserve. It is easy and cheap.
Many folks, from what I read, get Pneumonia when the are in the hospital for something else..... a different infection, an accident, etc.
Actually, according to the CDN PDF file, I am not in the risk group that need the Pneumonia vaccine, but since I travel overseas a lot, I think it is a good idea anyway. I think I paid around $30 USD for my shot.
Small money. Lots of friendly antibodies looking after me