I also run low normally, but like many other things to do with practically anything physiological, there's a range. The classic 98.6 is what's normal for most within a few tenths of a degree. Taking our own temps at home fairly often helps us each learn what the normal range is for that individual. Even then, it's a good idea to take your temp at about the same time each day or so because it'll vary as the day goes on.
As for it being a COVID symptom, again, there's variation from one person to the next. Some have no symptoms at all (and I'd argue they can be the most *dangerous* because they don't know they're carrying the virus and possibly infecting others). Fever is a common symptom of many illnesses though, so it's still a good idea to keep tabs on it.
If I take my temp and it's 98.6 or even 98.0, that's an indication I've got something outside of normal going on and I better pay attention.