If the hardware supports virtualization it should not affect the performance of cpu bound applications. (Assuming you have adequate system resources) It does harm the performance of GPU applications however.
It was drilled into me in school that you should be using separate environments for certain tasks.
Software development tools can interfere with video games for example. Or running a lamp stack in the same environment as your personal data is also foolish.
There's also tools like podman that can help you further divide environments. (But understand it's not a security tool)
Online outlets don't typically list gift cards unless it's their own?
But you can probably walk into Walmart and it would be on the rack with the others.