I don’t use one except for work (to connect to corporate networks).
A VPN mostly changes which entity you have to trust (from your ISP to your VPN provider). I don’t have a reason to distrust my ISP any more than any VPN provider. I don’t have any need to regularly get around any geoblocking.
When I do privacy-sensitive things, I use Tor, which is actually effective at hiding who I am and what I am doing.