Not sure I understand the issue here. I don't recall anyone suggesting we're running from Canadian fires. They're 1000 miles north. Did I miss something about shelters. If I missed it, I apologize. I thought we were just trying to deal with the smoke from distant fires in an adequate manner.
It's true that many of those allergic or with conditions such as COPD or asthma won'd die from exposure to the current smoke. BUT a few will. Many, many more will get really sick and some will end up in the hospital.
For those people, I'd say, "forget the N-95 and stay home and find some scraps for the cat to eat." Don't go out. The cat will probably destroy your artificial flower arrangement, but she won't starve.
IF you really, really want to go out, be certain that you have an N-95 mask. Be certain you know how to don and doff it. Be certain you have been fit tested to see if your facial structure allows it to w*rk. Be certain you have no facial hair (just about any facial hair). THEN, still, don't go out! Unless you need to get to a doctor for a life-threatening condition.
Even N-95 masks are only designed to catch particles larger than about .3 microns. Many smoke particles are 1/5 that size or even smaller. Now, it's true that N-95s WILL catch a lot of smaller particles than 0.3 microns because of electrostatic attraction that builds on the material. BUT the smaller the particles, the more will get through. Keep in mind that the "95" stand for percent of particles larger than about 0.3 microns will be captured - so 5%, by definition will get through. If it's a "400" day out like it was in NYC, that means you're still effectively having a "20" day inside your mask - if you did everything right and the particles were all 0.3 or bigger.
Life is a crap shoot and it's your life. Go out if you want to, but understand the odds before you decide the cat will really starve in the next couple of days.