Check if a VPN subscription is worth it.
A VPN subscription is worth costing per unit of actual use rather than per month. Cost per protected public Wi-Fi session is the security framing, and cost per device the household one. Both usually land in pennies, which is why the honest question is not price but whether you use it: a VPN sitting disabled provides nothing regardless of how cheap it is.
Unit cost
Cost per session = monthly cost / public Wi-Fi sessions per month; cost per device = monthly cost / devices covered
Annual outlay
Annual cost = monthly cost x 12
General guidance only, not a security assessment. Account protection needs depend on your threat model — follow your organisation's security policy for work accounts.
No. It moves trust from your network provider to the VPN provider and hides traffic from others on the local network. Accounts you log into, browser fingerprinting and the VPN's own logs all remain.
Less than it once was, since HTTPS already encrypts content on hostile networks. The remaining benefits are hiding which sites you visit from the local network and changing your apparent location.