First, how the virus spreads and why it is important to know this
Experts agree that Covid-19 is spread mainly through respiratory sprays. If you have Covid-19, it is likely that when you cough, talk or sneeze, you will spread these spasms to others. Splashes can fall on someone else's eyes, nose and mouth. This is why masks are used - to prevent Covid from spreading to other people.

N95 masks and surgical ones
Both masks, N95 and surgical masks, are some of the most effective masks to help prevent the spread of Covid-19, research suggests. In particular, N95 masks can protect both the wearer and those around them, explains the Mayo Clinic. This is due to the smaller amount of viral load that enters the body when we wear the mask.

Should another mask be added if we wear surgical masks or N95?
Because N95 and surgical masks are both quite effective, adding a second mask will not necessarily add more protection.

What about other masks?
"When it comes to clothing masks, 'the more layers, the better,'" Tania Elliott, an immunologist at NYU Langone Health, told Self.

Other
If you have an N95 mask, you can put a surgical mask on top, which costs less. This way you save the N95 mask and change only the surgical one. Be careful not to block your breathing.

conclusion
Just one effective mask is likely to be enough for most of us - as long as you wear it correctly.
Sources: Self, NPR.org, Healthline