I’m wearing a homemade one (no n95’s) and gloves whenever I am out and expect to encounter people in close proximity. So, when I make our every-other-week grocery run, to pick up prescriptions, or to pick up takeout, for example. I’m also shopping for an elderly couple I’m friends with to keep them out of the stores. I was in a grocery store last week in one town with a fair number of cases, and no one else was wearing a mask. I went to another store in the next town, and 75% were wearing them. I bet it’s higher now.
I wear it mainly to protect others, but, as someone else alluded to here, I’m also hoping for some protection in the form of a reduced viral load if I should come in contact.