If you are under 60 and do not have preexisting health conditions, you are at very low risk from the virus, even if you do contract it. If you are under age 20, we know that flu season is far more dangerous to your health.
I have yet to wear a mask anywhere here in southwest Virginia. It's not being enforced or even directly suggested at any store or service provider I have visited. If I end up some place that demands wearing one, I suppose I will, but as an engineer, the idea that nonstandardized, random, contaminated pieces of cloth can appreciably prevent or stop the transmission of a tiny virus is just short of believing in magic beans. I wouldn't pile into an arena with 10,000 other people at this point, but freaking out about an unmasked person at a beach has no rational basis in the data we have.