I do any time I'm going to be around people for an extended period of time or around a large crowd. Concerts, long grocery store trips on a Saturday, in-office work days (I work hybrid now 😞), I'll put on on a mask. If I'm just running into the store to grab a gallon of milk because we're out, then I won't wear a mask.
My wife legit almost died from Covid, and it took her about 6 months to return to normal, so we are a little overly careful.
My wife is immunocompromised due to stage 4 cancer. We mask up any time we have to be around people; doctors visits, grocery runs, etc. We haven't gone back to eating in restaurants but have considered eating at places that have outdoor seating.