I don't know what to tell you, V...
The better the mask the better you are protected, even a decent cloth mask will lessen the chance that you will inhale larger virus carrying droplets, potentially reducing initial virus load at infection.
And yes, it has to be properly fitting of course that goes without saying, but the study found that surgical masks seem to compare well with n95...
A recent meta-analysis shows that, compared with surgical mask use, use of N95 respirators is associated with a >50% reduced risk of overall clinical respiratory illness but has no apparent superiority in preventing viral infection,11 which is supported by a more recent large-scale RCT in an outpatient setting.
Are you completely 100% protected? Not even close... but there is a reduction in your odds of catching it in a passing exposure.
There is a reason masks are categorized as Personal Protective Equipment.
I would in no way feel 'safe' going to a large gathering with just a mask, but if you must run into the store for supplies it improves your odds somewhat... the better the mask the better your odds...