Yeah, I also feel like I've already been and am being personally affected by climate change, increasingly each year. Mostly due to fires and their concomitant smoke. It decreases the number of days you can comfortably be outside, particularly backpacking in the mountains, which is something I FIREd to spend more (not less!) time doing. It also is really bad for your lungs, so I expect longer-term effects as well. And this is not just at home. We went on vacaton in AK and MT this year where the smoke caused visibility and potential health issues, as well as being on alert to evacuate our vacation home. These are in areas that rely heavily on tourism, so I'm sure it was worrisome in many, many ways for locals.
At home, I'm not as worried about temperatures, but it does niggle at the back of my brain. Because the temps so rarely get over 80 degrees in the summer, no one here has A/C. But increasingly in the last few years, we have a week or two of 100+ temperatures. We rent, so installing A/C is iffy. At least for now. At some point, you might have to come up with solutions, so that would be a personal impact that is negative and wholly undesirable.
Drought it a big concern where I live. DH thinks we'd smarten up in this state and get rid of unsustainable agriculture, and there's plenty for residential, but I'm not so sure. If we've seen anything from COVID, it is that we can get used to some pretty terrible things as opposed to being brave enough to implement needed reforms. I mean, some of the most liberal places can barely get through vaccine mandates and we think there's a chance draconian water use restrictions like outlawing almond and alfalfa farmers or golf courses would work? I am not optimistic and with (knock on wood) 40 or 50 years to go, I am not sure I get to die before I see the big, bad water fights.
But mostly in the present, it's smoke. I grew up in the west and the only smoke I ever remember was from campfires. Now, we spend weeks living with smoke surrounding us constantly as we go about our business. It's more than a little dystopian.