Unless you have an illness or take medication that prevents absorption of B12 from your intestines, there is absolutely no reason to get a shot. All you are doing is helping the doctor with his next car payment and driving up the cost of medical care for everyone. Saying that "we pay next to nothing" means someone else is paying it, but it is getting paid and for no medical reason.
As to the question of the OP about dosing. As B12 is a water soluble vitamin, excess intake will just make your urine richer in vitamins. It will not accumulate in your body as can ADE and K. Perhaps there is some huge number which would be excessive, but if you stick with OTC products or simple multivites (how about a Flintstones?) you should be entirely safe
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