I've been fortunate enough to have not gotten really ill or injured while employed/working (funnily enough, the times that I do get ill/seriously injured always seem to occur when I'm in between jobs or on vacation). I've been working for about a decade now and I've only called out sick three times during that span. I don't say that as a source of pride, but more so speaking to the fact that the work cultures that I've been in, calling in sick has basically been frowned upon and almost no one ever does it.
That being said, there have certainly been days where I haven't felt anywhere near my best and that if practices/work cultures at my previous employers didn't seem so rigid, I may have taken a day off here or there for something like being completely overly fatigued or a couple of times where I've had some pretty severe back pain suddenly flare up. Instead, in those cases, I've just sucked it up and gotten through those days. That being said, I've never gone in to work ill when there's even a remote chance that I could get someone else sick (e.g. a real fever, flu-like symptoms, etc.), and I never will.
I get 4 paid sick days a year at my current employer, which is the first time I've had a separate pool from PTO, but again, no plans on using them unless I have something that could effect other people, assuming we're back in the office again any time soon...