They hide your browsing from your ISP (and probably your government)
They hide your origin and substitute another for web sites.
I'd say a VPN is only useful to people engaging in crime, or things that look like crime and those buying services that are priced differently around the world
That provide no protection against things you might click on
I had a team of contractors working on some code. They had learnt in their previous jobs to document everything in the work wiki (aside from the design documents which have their own repository)
And it was good they did, since the project was put on hold due to too much mismatch between backend and front, and all the contractors were fired (a day before Xmas) leaving the useless doco as the best reference for whoever needs to resurrect our code
What did the south secede from?