Everything is a risk to hassle / inconvenience tradeoff. I'm not sure what the math is here but wearing a mask is a fairly high on my personal inconvenience sc

Everything is a risk to hassle / inconvenience tradeoff. I'm not sure what the math is here but wearing a mask is a fairly high on my personal inconvenience scale. As far as daily non pandemic life, I'm not sure how much benefit there is. I've got kids in school and so on, I'm going to be exposed to some extent. Is a lower level of potential exposure going to do me any good?