Surely it's viral load??
Back in March, people were all over each other, hand-shaking, kissing & hugging strangers, people packed like sardines in pubs, clubs, restaurants, churches, mosques, sports stadia, public transport, etc. People spent so much time in close proximity, the "viral load" being passed around must have been a lot higher.
Now, even in "busy" places, people are generally keeping further apart, certainly not hand-shaking, kissing or hugging virtual strangers anymore, generally washing their hands more, etc. So the actual time you're "close" to another person is massively reduced, so even if you come into contact with someone contagious, you're only going to get a fraction of their infected particles being transmitted.
I think the viral load was highlighted very early on as being probably the most important factor, i.e. "how much" of the infection you got.
It stands to reason that if you shake hands or hug an infected person and then spend a couple of hours with them that you're going to get more "nasties" than if you stand a metre or two away from them and have no physical contact. Yes, a few infected particles may make their way to you and infect you, but the fewer the particles, the easier it is for your own body to create anti-bodies to fight them.