Particles come in different sizes and covid-19 ranges from 0.06 to 0.14 microns while N95 masks only filter particles greater than 0.30 microns. So, if the covid-19 particle is attached to a larger particle (say a water droplet) then it should be stopped by a N95 mask. Having said that, there are oxygen deprivation concerns with N95 masks especially if you have specific health issues (
Stanford researchers reengineer COVID-19 face masks | Stanford News). In addition, many experts who believe this virus can aerosolize (
Can COVID-19 Spread Through the Air?).
And, no, the cloth masks people are wearing do not come anywhere near stopping 50% (e.g., 1 layer of Kona cotton + 1 layer of flannel only stops 15% of particles which are greater than 0.3 microns).
Regardless, you are arguing for the exact opposite of what we should be doing which is to achieve herd immunity as fast as possible and healthy people who are not at risk wearing masks slows that down. Those who are at-risk should take precautions. I understand your sentiment and intentions which are all good but, unfortunately, are not the right course of action. No need to carry on our back-and-forth as I can agree to disagree.