1A protection factor is a divisor
It compares the air outside the mask with the air you breathe inside it.
protection factor = particles outside ÷ particles inside
A 10× mask lets in a tenth: 10 particles out of every 100. Going from no mask to 10× keeps out 90 of them. Going from 10× to 20× keeps out only 5 more, but that still halves what you breathe, which matters when the exposure is long or heavy.