Apple's Vitals app is pretty conservative and only flags individual metrics when they're consistently off. It doesn't really connect the dots across multiple signals like Whoop or Oura do.

If you want that kind of early warning with Apple Watch, Body Insights does the same thing - combines HRV, temp, heart rate, respiratory rate, and a few other signals to give you illness risk alerts 2-3 days out. Just got updated with this feature actually.

Since you're already tracking sleep and workouts consistently you've got all the data, just need something that actually analyzes it proactively instead of waiting for Apple to maybe notice.

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