I've noticed no pattern with me or my friends. I haven't gotten covid despite spending days unmasked, indoors, with people who were infectious. Some of my friends have gotten ridiculously unlucky, getting covid and taking weeks to recover despite being young, healthy, boosted, and wearing N95s everywhere. Of course general rules apply: A mask is better than nothing. Vaccines reduce the risk and severity of infection. But these interventions aren't as effective as originally claimed, and the variance in outcomes is massive. You can't just put on an N95, live life normally, and expect to avoid this disease.