In those places, I wear my N-95, and get in and out ASAP.
Good personal policy! You’re right about some of the building supply and farm/ranch supply stores. Some of them aren’t crowded, either, and hardware prices will probably increase.
But, yeah, anywhere else it's the N95 and precision strikes, in and out. Unless I am buying a lot of food, then, at least I try to go near closing time on an off day.