Masks are about droplet transmission. You wear one to protect the people around you from your respiratory droplets. A cloth mask works fine for that. An N95 would work to limit transmission too, but is unnecessary and comes with the cost of ventilatory fatigue. As to an N95 protecting you from being infected, that would only be true if the mask was fitted according to NIOSH standards, and the person was wearing a face shield in addition to the mask in order to protect the eyes.
IOW, don't waste your breath on an N95 mask out in public, including your airplane.