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johnnyFive · 2144 days ago · link · · parent · post: Do I really need VPN? Let's read the real facts
1. You left out one of the most important parts of a VPN, namely for when you're using an untrusted wifi network. 2. I think you're overstating the shifting-IP problem. If nothing else, you should be using 2FA on things like PayPal anyway, so I don't really see how it requiring an additional step is somehow a problem. Meanwhile, if a site outright locks you out because of a login attempt from a different IP, it's time to find a new site.