N95 masks are probably overkill for most of us unless we are standing over patients all day. The hepa filter material is 0.3 micron and will work for general walking around and groceries. Several Youtube vids on how to build them in 10 minutes or less.
https://www.cowaymega.com/what-is-a-hepa-filter/
The lower our concentration of exposure, the lower the risk. I recommend a mask any time you are in an enclosed space sharing air with others not in your household.