In March, 1 of every 1000 Americans had a confirmed case of COVID. In April, it might be 1 out of 40. For confirmed cases, given that testing is mostly restricted to people appearing at the hospital, I estimate the fatality rate is 7%. That means that in April, you may have a 0.2% chance of dying from COVID. If you wear a mask consistently, that goes down to 0.02%. If you assume you have 40 years left to live, if you're maskless, COVID will reduce your life expectancy by 1 month. If you have an N95 mask that you wear consistently, COVID will reduce your life expectancy by 3 days. Wearing an N95 mask in April increases your life expectancy by 27 days.
By contrast, wearing a seatbelt over the next month, statistically increases your life expectancy by about 0.2 days. Over the next month, wearing an N95 mask is about 130x more important than wearing a seatbelt.
All of this discounts the massive other benefits from not being infected: No long-term lung damage. All of the people you don't infect because you didn't get infected. No infecting healthcare workers. No contributing to the overload of the healthcare system. Plus, wearing a mask, even if you do get infected, you're much less likely to infect other people, which has a cascading effect.
The point is: If you have access to a mask, it's vitally important that you start wearing it if you go out. Still, don't go out unless absolutely necessary! Minimize contact! Especially for essential workers though like grocery store employees, delivery workers, etc, wear a mask!