Good for you for taking all those steps to be careful. Let me make a few suggestions and you can take what you like and leave the rest, of course.
First thing: testing is not perfectly reliable. Since it doesn't sound like you have been sick, except for that hospitalization in February, which might have been for surgery or something?, so am i right that you are looking to find out if you are an asymptomatic carrier? My primary care provider told me that swab tests are only about 60% reliable, and have lots of 'false negatives', that is, you get the test back as negative but you are actually infected. The timing is apparently important, too. After a while there is no more live virus up your nose. The antibody tests aren't FDA approved and the antigen tests aren't available. And, if you ARE positive for the novel coronavirus, it doesn't make a difference, since you're being so good about wearing a mask and disinfecting.
Here's a thought: wear your mask, and maybe eyeglasses because the eyes are a point of entry, wear gloves (i've been wearing really colorful pink gardening gloves that have never been in the dirt: festive!). Get on the bus and go shopping. Stores are being careful, your cart has been wiped down, some stores are letting in only a few at a time, some stores do the shopping for you and then you just pick up. If you are feeling healthy, no cough or headache or fever or sore throat, i'd say go for it. Mostly stay home but if your budget is that tight, do the hygienic masked thing, but get out there.
What do you think? I'm thinking you would enjoy the outing...
Jane
who works in a hospital where everyone is masked all the time so i'm used to it...