Surgical/cloth are pretty much useless for COVID. N95s buy you temporary protection unless you’ve got the special face fittings needed to actually seal your face. It depends on the environment you’re in but the worst case scenarios (like enclosed spaces without high airflow), the last study I saw was on the Delta variant and they said about 15 minutes if both parties are masked. It does get better from there though, with good ventilation you might have a few hours, and being outdoors you’re actually pretty safe.
This article is from before they dropped droplet theory later in 2020. In the section titled “Factors to Consider when Using Cloth Masks to Protect Wearers and to Prevent Spread of Infection during the COVID-19 Pandemic”:
They then go on to explain that cloth masks are the option of last resort and are not very useful. Surgical masks with proper fitting around the face and a certain minimum rating for water resistance will help, but most of the “surgical” masks we were all buying do not have enough layers and no water resistance ratings, and who among us got training on how to properly fit a mask to our faces?
Dropping a link and calling it information when you don’t understand the content or haven’t read it is not productive.