One person told me she was cleaning something with vinegar, her daughter entered the kitchen and told her "mum, this vinegar smell is horrible!" and then it dawned on her she couldn't smell anything.
No runny or stuffy nose. She was normal, except she couldn't smell anything.
At this point of the pandemic, complete loss of smell and taste of this kind almost certainly indicates covid19, outliers notwithstanding.
I don't know if most people experience anosmia like you describe while having a common cold or the flu, though (I think they don't). From what I've read this symptom is a pretty reliable indicator of covid19, so much so that at this time it pretty much rules out any other diagnosis and it is a strong basis for medical decision making. (Of course, there will always be outliers for any symptom. Decisions still need to be made at the population scale, though).
The advice of not going to a store if you're sick with something that resembles Covid? Is that such a large number of people it will have a big cost?