Critically the problem with your reasoning is the last sentence. No, you do not need to have a medical degree to be right when a doctor is wrong; ask anyone who’s had a medical issue that all doctors agree does not exist.
> appeal to authority
authority -> trust
> disappeal to lack of authority
not authority -> not trust
The contrapositive of the first proposition would be
not trust -> not authority
which is a rather different claim.
Despite how much smarter and informed humanity is, we still make decisions based on trust. Science can only explain so much and runs out of answers eventually.
Did they? Or was the chance they'd come in contact with Covid at that point very low and those masks would be of much better use at hospitals where the chance of coming into contact with Covid was very high? At least, that was what the experts were saying at the time. I donated my N-95 masks (that I had from California fires) not because we thought they didn't do anything in January 2020, but because the experts said they were of better use in hospitals.
> Science can only explain so much and runs out of answers eventually.
You say this as if there's a better place to find answers. Where is that place?
You're saying a high risk person (high risk meaning they would likely die from covid - immunosuppressed, etc.) wearing an N95 mask and quarantining was a bad choice? I'm not sure how those masks would be better used if the person is at a high risk of dying to covid.
> You say this as if there's a better place to find answers. Where is that place?
Interpreting all the data available to you. Would you have shamed a person for not choosing this man as their surgeon https://en.wikipedia.org/wiki/Christopher_Duntsch after they researched his past operations. There are more factors than just the research that need to be considered.
I'm insisting that the average unqualified individual should not think they have a better chance of being correct over the authorities in question.
There's no other rational option for unqualified individuals than to listen to medical authorities unless you have a medical degree yourself and have read and analyzed the research yourself.