re: Fully vaxxed, managed to get Covid

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The 94% effective was talking about stopping infections.

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Wasn't that also before the emergence --or at least widespread circulation -- of the Delta variant?

I certainly recall a lot of concern being expressed that the vaccine may not even be effective against the Delta variant which was new during the time frame to which you are referring.

Also, are we absolutely sure that more than 1 in 20 vaccinated people are being infected?

1 in 20 is a lot of people. Means many people will know 20 or so vaccinated people that get infected if it continues to spread the way it has been the past few weeks.