We were both in our 60s when this crud began, the low end of the high risk group, so could be were more cautious than most.
My wife and I also have worn masks a lot - but we also tend to avoid crowded indoor events almost entirely now, and use hand sanitizer whenever we leave a public place. We were also quick to get each of our vaccinations.
Wearing a N95 mask correctly and washing your hands consistently is _quite_ effective at protecting you (and others).
Wearing a nonsense cloth mask, not terribly well fitted, protects you a little bit but mostly protects others some.
In between those it varies.
Nothing does much if you're not washing your hands before touching your face.
People also ignore that initial viral load can be a lot lower from masks (depending) even if you do get infected, which can help with severity.