TN8Man
Platinum Member
+1 on not needing a VPN. Unless you're worried about your ISP doing packet shaping and limiting your bandwidth to certain services(like Verizon was doing recently with Netflix). There's some stuff in the works to let your ISPs read your traffic and sell information based on that which would be another reason but generally it's a huge hassle to setup and your internet will be slower.
As long as you're using HTTPS(lock in the top bar) everything is encrypted using a public/private asymmetric encryption which is enough for almost any use.
I use vpn because I stream content from around the world. Some content is blocked from within the US. VPN provides protection and bypasses blocks. VPN also masks my ip address which has many advantages.