If you don't risk yourself to get a cold, you don't take the actions that may get you a cold, like going outside while it's raining or talking to someone that is already ill. On the other hand, I'm not an English native speaker but I'd never say 'I will not getting a cold', I'd rather use 'I'm not getting a cold', let me give you a for-instance:
Gf: 'Let's go for a walk' Me: 'no, it's raining' Gf: So? Me: 'I´m NOT getting a cold'
Which basically means 'There's no way I'm going out while it's raining because I don't want to get my ass sick'.
I hope it helps, maybe a native speaker can shed some light on the last sentence. For me, it is grammatically incorrect.
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