I use ExpressVPN, and it is a piece of cake to use.
IMO, it is just one more layer of protection...mostly from someone knowing where you live, physically. Most IP addresses are going to pinpoint where you are on earth within a few miles. With a VPN, I can appear to be just about anywhere in the world.
I am not claiming to be any kind of expert on any of this security stuff.
There is all this opinion that you only get infected if you go to "naughty" sites. That is BS!
Any webpage that is poorly secured is at risk of being hijacked, or having malware imbedded into it, or having data breaches happen that get all your personal info...think Target, Scottrade Securities, etc.
One other thing I have been doing is using 1Password for password management and making all my passwords crazy complex. It is a PITA, but it is much more secure. And...change them often.