It's never too late to mask up with a respirator either. Your health is far more important than social pressure, especially as repeated COVID infections come with more health complications.
If you can't afford them, check to see if a mask bloc is near you: https://maskbloc.org/
If you can't afford them, check to see if a mask bloc is near you: https://maskbloc.org/
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If you can't get a respirator at all, surgical is better than nothing and a mask brace will give it a better fit.
Lastly, air purifiers and opening windows is important too!
Certainly, indoors is higher risk. But be careful outdoors too. Social distancing does very little for an airborne virus.