There is some risk - we mask when using (or someone nearby is using) the blower or raking leaves. Also, when we bag chopped leaves to move them to protect plants, I mask up. The same when mulch is being laid down or moved - it is full of every spore imaginable. And around dry potting soils - I pre-moisten.
I get to avoid all of that this year - can't do any of it with my arm in a sling!