In fact, ordinary people do not need N95 masks. General medical surgical masks will do. Even as long as the mask is waterproof. After all, wearing a mask is mainly to prevent the virus from spreading through saliva.
Ordinary people benefit from the extra protection as well. N95/FFP2 masks are more effective protecting from virus in the coronavirus family and this is tested.
Obviously, the more exposed you are the more you benefit from extra measures.