The surgical mask over the N95 is to afford some protection for the harder to get N95. They reuse both probably.
When I do my weekly shopping (for elderly folks mostly) I wear a N95 and googles, hat, trench coat. Seattle area. Take a shower as soon as I’m done cleaning all of the groceries.
If it weren’t for taking care of the elderly folks, I would just stay home.
I am over 60. Slightly obese, but losing it fast. Have a couple morbidities. Docs had no idea what the first one was. The second one is low sugar. So I wear N95 and if any of you young whipper snappers dont like it, I will take the mask off and cough in your face. Lol.