She fully intended to respect the drive-thru or curb-side pick-up only rules, but didn’t feel right holding up the drive-thru with questions about menu options.

She should have gone through the drive-through. If you want to be charitable you can say she's too nice for her own good, but she's an idiot for ignoring what the rule is there to do. An elderly person who can't wear a mask specifically because her lungs are fucked should be more careful.