This is something we should be able to rapid reverse with adequate public health messaging, especially at this point in time.
We simply need to stress that we wear masks in public because we are each doing our part to #crushthecurve, not because we are sick. (If we were sick, we'd be isolating at home.)
N95 may be good enough for a grocery store run. This seems entirely plausible to me.
If it gives you even a 50% reduction in risk that could help a lot to keep you safe, and reduce R0—even if far from perfect.