N95 masks are better when there's dust, or smog, but don't make preventing getting sick any better than surgical masks. The idea behind surgical masks is to prevent you from getting sick when people sneeze, cough, etc. So the effectiveness is basically the same providing you use them properly.

Never touch the front of the mask. Wash your hands after removing. Dispose of mask after use.

And repeated studies have failed to show that N95 masks reduce transmission more than surgical masks do.

One of many studies: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4868605/