Continuing this long, unasked for thought on Ms.:

Over a hundred years ago there was discussion on how a woman should be addressed so as not to be offensive. By the Fifties, the business community had decided on Ms.

As far as the three honourifics go, I have always used Ms. unless the person corrects me and tells me they want to be addressed as Mrs. or Miss or another honourific (such as Doctor if I can’t tell). Most, but not all women around here seem to prefer Mrs. or Miss, which is fine with me. It costs me nothing to call someone what they want to be called.

Likewise with men regardless of age in a public setting (aside from children), I tend to use “Sir” unless I am corrected to Mr., another honourific, or none.