Those are not comparable scenarios.
N-95s are certainly better, but it's wrong to say that other masks are worthless.
Link:
Efficacy of cloth face mask in prevention of novel coronavirus infection transmission: A systematic review and meta-analysis
Even if the cloth mask filter barrier is large enough for COVID virions to pass through, it's way too simplistic to state that makes the cloth mask worthless.
COVID virions don't travel in straight lines. They follow Brownian motion models, which any of the UT physics majors will tell you results in erratic pathway like a pool ball bouncing around a table. So most of the virion particles get trapped in the mask because they don't pas in a straight line through the mask but bounce around, greatly increasing the chances of getting caught in the fabric.
Also, COVID particles don't travel by themselves, most are bound to respiratory droplets which greatly increases the size of the aggregate and makes them even more likely to get caught in the mask.
So yes, you should wear a damn mask, even if it's cloth, and even though it's not perfect, and even though it's not as good as an N-95.
Wearing a flimsy cloth mask beats the **** out of wearing nothing.
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