A dust mask (N95 or P95) is intended to filter out particuloates, so it is as specific as a respirator particulate cartridge, only it will not work as well.
The letter refers to the filter's resistance to oil, N is no resistance, P is resistant. The number refers to the filter efficiency, 95 means that the filter is 95% efficeint.
A dust mask will not seal to the face as well as a true respirator. Facial hair will absolutely effect the seal of the respirator to the face. If you wear a respirator at work, you must be fit tested (as well as mdically cleared). I would recommend that you get fit tested and trained on a respirator's use if you are going to depend on one to save your life.
I would recommend a full face respirator, with combo cartridges; organic vapor/acid gasses/p100. This will filter out all biological particles, as well as many chemicals. I am unaware of any carbon monoxide cartriges. Although carbon monoxide is a concern in a fire, I would rather have protoection against 70% of the hazards than against none.
If you can afford it, and can deal with the weight and added maintenance of a battery, get a PAPR respirator (PAPR: Powered air purifying respirator). A PAPR has a fan that blows air that hs been through the cartridge into the breating space. It is much more comfortable to wear for long periods of time, and since it is positively presurized, fit testing is less improtant (it should still fit).
Labsafety is an excellent place to purchae respirators and cartridges. Also check out their NBC gas-masks.
Firefighters wear SCBA for several reasons, one of which being that it is an OSHA requirment. A structure fire is considered to automaticaly be an IDLH environment (Immediately Deadly to Life and Health) If you enter an IDLH environment during your job, you must wear an SCBA.