My immune system is medically suppressed overly enthusiastic trash, and I have the constitution of a napkin, but I also wear a mask pretty much every time I go outside unless I'm going into a forest outdoors and am not expecting to be face to face with more than one person. Because it's fairly easy, and definitely easier than getting sick, which is often a month's long recovery process for me and also dangerous.
That said... I'm sure I've had the cold at some point? I must have, just can't recall when!