For a high altitude flight, going straight for the N95 would make sense to me. In such a situation one probably paid good money for the flight and spent time organizing the trip to wherever it was, having it be all for nothing because of catching something would be a waste.
From a cost/benefit perspective, it's definitely slanted towards wearing the N95.
Given all the other discomforts of flying, wearing a respirator is a minor problem. Passengers are not likely to have long, emotional conversations during a flight where a mask might be uncomfortable or inhibit communication. But there is the food/drink issue, if someone considers those to be important.
