It depends on what your doing for regular Internet use, no if your downloading something that your aren’t sure if it’s in the public domain, probably.
I realize there are people here suspicious of any authority but still as a professional UNIX geek…
In the US, the Cybersecurity and Infrastructure Security Agency (CISA) released guidance related to personal VPNs, their recommendations are usually adopted by the larger computer security community.
They recommend that generally individuals not use a personnel VPN.
Why you ask? Their reason is that it “shifts” the security risk from your ISP to the VPN provider that often use questionable privacy and security practices. This makes sense as your ISP is much more transparent than most personal VPN companies.
CISA does have guidelines around server based VPNs as well, these are commercial VPNs for things like remote work but unlike a personel VPN, commercial VPNs provide “end to end” encryption.
In general I think a personal VPN is a waste of money, what none of them state clearly is that they only encrypt traffic between you and the VPN server, they do not encrypt data to your destinations. From the VPN server to your destination your data is back on the public network.
So if you select a VPN server in Chicago and you live in Michigan and visit a site in California your data is private (encrypted) from your device to the Chicago VPN server but is not encrypted from the Chicago VPN server to the destination in California.
When you send data through the network it commonly goes from your network the one hop to your ISP, next hop is to the ISPs gateway router, it then moves through routers to the destinations network where it is delivered to a server.
When you add a VPN you add a new network (not just a router) that your data passes through, the new network is that of the VPN provider.
So security isn’t really a function of a personal VPN, it’s a talking point when trying to sell you a product.
Other reasons? The personal VPNs obfuscation of your public IP address. A personal VPN may or may not hide your location but you would be foolish to bet money on that.
Generally a paid personal VPN is security theater, don’t waste your money because you are paranoid and bought into the fear tactics used to sell them.