Wow. How long do you go for? What's the average risk in microcovids for your area?
The preset grocery run scenarios assume a 60 minute trip, but I usually am in and out much more quickly than that. If I build a custom scenario, for a 15 minute errand with an average of 3 people within 5 meters of me at any given time, these people on average being 6+ feet away from me, of average risk for my area (16,000 microcovids themselves), them having unknown vax status and me wearing a surgical mask (I wear one of those or a high-end woven plastic one that fits snugly), assuming they're unmasked and any who are speaking are doing so at normal volume, I get Moderate risk: 35% of my weekly Standard budget (target 1% risk of Covid per year).
That scenario is probably a little bit optimistic on time and maybe on distancing for a longer trip, but I know that we have a decent percent vaccinated (especially in the city), very few people are actually talking, and some other folks are wearing masks, so those factors help in a positive direction. I could improve it further with an N95, of course, and perhaps I should at least until more folks have their boosters.