It's very difficult to wear an N95; it's really constrictive and uncomformtable. You can't expect civilians to wear N95 masks all the time and you need to weigh the comfort of a mask against its effectiveness.
Sure the straps are tight and the nose pinches. But that's little discomfort compared to getting sick.
Depends on how afraid you are of getting sick. Most people that get infected do not develop any symptoms, and of those who do 95% wouldn't be able to tell them aparat from the normal flu. The only real risk group are people over 70, and while those might actually be afraid, the rest of the society is simply getting more and more pissed off with all those restrictions imposed on us.