Surgical/cloth are pretty much useless for COVID. N95s buy you temporary protection unless you've got the special face fittings needed to actually seal your face. It depends on the environment you're in but the worst case scenarios (like enclosed spaces without high airflow), the last study I saw was on the Delta variant and they said about 15 minutes if both parties are masked. It does get better from there though, with good ventilation you might have a few hours, and being outdoors you're actually pretty safe.