My take: If you can, carry on with life. Wear a mask when you are in close quarters with others in a confined space (public transportation, stores). I’ve been lucky, in that I haven’t had to take any time off work.
Recently pubs. cafés and restaurants here have re-opened. I don’t go anywhere that’s absolutely heaving – that’s MY choice. I’m not living scared; just a little cautious, and trying to help dial down any risk when I can without hiding away and putting my life on hold.
Have I got the correct balance? I don’t know, but nor does anyone else.