@DavidJBianco I'll tack on. Most "security" valid reasons to use a VPN is better served by using wireguard/VPN back to a hosted location in your control. Otherwise you're just moving the goal post to trusting the VPN provider and many of the use cases (like geo-changing) are going to be blocked with a well established provider.

I think people should still use a VPN of some sort anywhere other people have access to the switch/hotspot and in public areas. Unfortunately we don't know always might be leaking, or services open, on our devices. The default settings of most VPN configs to block routing to your device directly is a boon for most people. But that is still a legitimate reason in my opinion for avid use of a VPN for most non tech savvy people.

I actually only rely on a public VPN for IP hiding and testing how my apps respond when they are specifically geo/IP blocked. Even then I'll use a proxy into the VPN container and not expose my whole system routing to the VPN provider. Otherwise, straight to my wireguard setup at home just in case there is something leaking on my device I am unaware of at a hotspot or strange jack. It is much faster and more reliable than most VPN services and I don't get blocked anywhere.