Which is the problem. I know exactly that's how it's being used (even if the person didn't actually mean any sort of tone). It's never used in a polite way and never has been. It's a subtle but not so subtle insult. But it was a different situation back in 2020 so even I viewed it as differently, but by 2021 and certainly by now the "I'm living life" needs to be retired in it's usage.
Besides changing your behavior due to covid includes things like mask wearing, not going out in public if you know you're sick, using hand sanitizer if you didn't before, and so on. Seldom can anyone truly claim they haven't changed their behavior due to covid. I suppose if we'll use your definition the PP isn't living their life as they've disclosed they wear a mask and they are careful around people. To most of us wearing a mask was not part of our normal lives before covid.