I can see your point, in some regards. But there are other ways to look at it, too.
What thicker line is there to draw between me and them than "I am not like that"?
I a setting such as this, there are a number of reasons for people, human or not, to operate at night. For example, Jim, the Night Watchman. Jim is only seen at night, because he works at night. Jim says that he doesn't come out during the day because the sunlight creates a biochemical reaction in the human body that makes them want to stay awake, so to maintain his sleep schedule, he avoids daylight at all cost, so he's well rested for his night shift.
Scavengers for the camp might make excursions out at night, when they have the cover of darkness. Or maybe they're crews of people meant to go out into the night to fight the monsters so they don't storm the camp? Hell, maybe those crews have a tendency to go out at night, and not return until the next night to turn in their finds and then set back out again?
There are a number of reasons for people to only be seen at night, even in a post apocalyptic setting such as this. Hell, honestly, there might even be more, or at least, more realistic ones, other than just "Oh, I work all day" or something to that effect. There's also the fact that young, weaker Kindred with high Humanity and low BP only take limited damage from sunlight. Like 1 lethal every ten minutes, at Humanity 7, BP1, I think. So, in a pinch, they can make appearances in the day. Or answer their door if someone comes knocking. So... there's incentive to play characters that aren't pumping BP like crazy!
But I won't say that I'm totally against discarding the Masquerade altogether. I had initially thought about it, until I realized that there's just really no scenario in which a vampire can actually survive that long under the circumstances of people knowing. The vulnerability to sunlight and needing a haven to protect oneself from it is just too great of a weakness to be exploited. Eventually mistrust WILL set in. Humans WILL start to fear the monsters in their wake and if they know about them? They'll come. In a world full of fear and lawlessness, this is even more of a sure thing.
That being said, if a character WANTS to go that route? I won't stop them, either. I'm certainly not looking to call wrongfun on anyone, and I'm not taking that stance with a thinly veiled clause of "Oh, well, I'll just have NPC mortals kick in their door after a few months" or anything stupid like that, either. I'm all for player choice in as many things as can be given, while maintaining theme. And the idea of a vampire trying to strike a deal of "protection for blood" is totally valid. I just don't think that it works as a default, so to speak.
As for werewolves, I don't handle them, so I couldn't say.