or if you have facial hair the protection a mask offers is pretty much nil.

Got a beard? If you want a functional respirator, look at the GVS SPR457 Elipse P100. It’s a bit clunkier than earloop masks, but the body is made of a super flexible plastic, and there’s a flap that rests against your face. It’s rated P100 (so better than 99.9% of 3 micron particles filtered out), pleated filters so very little breathing restriction and those filters mount into the body, so you don’t have cans sticking out, so good range of vision. Good seal on my bearded face (if I cover the exhaust valve, I can make my ears pop).

BTW, If you’re curious about the difference between P100 and N95, the NIH has a PubMed article titled Viable viral efficiency of N95 and P100 respirator filters at constant and cyclic flow that’s worth a look.

I already had one of these, purchased to deal with the cloud of dust I’m often in when mowing. It works great for that, doesn’t interfere with my glasses or earmuffs. I’ve read that some bicyclists have found them more useful for dealing with smoke pollution than any other bicycle-specific mask (recent fires in Western US).

I’m not much of a hoarder, but… after looking at how dirty my current filters look (no breathing restriction apparent) I ordered a replacement set of filters

I would suggest getting one now if you are both bearded and immuno-compromised.

That said, remember that you are unlikely to be where there is any danger of picking up the virus from the air — but it can survive on surfaces, so an issue is your hands touching your mask and face.