Last year, contact tracing found 60-70% of contacts had been in homes, either through family members or close social contacts (could be biased as they were the easiest to trace). Of course, no one wears N95s masks inside their own home, 24 x 7.
The other problem, I have noted, is that public health “experts” said to use “facial coverings” made of random bits of cloth. Indeed, as of July 2021, the Oregon Health Authority still says the public should use “cloth face coverings” (made of anything) and specifically says the public should NOT USE N95s OR MEDICAL GRADE MASKS. There will be a separate post on this soon.