>> I am not sure that there is an overwhelming and compelling reason to add this extra tool to the armoury, more a nice to have.
I think the question is, what do you expect it to stop?
1) It prevents your ISP from seeing what type of traffic you're causing and throttling you. Useful for torrent downloading for example.
2) It gives you a VPN LAN that you could access remotely if you chose
3) You can avoid GEO blocks - watch iPlayer form another country, for example.
4) It *may* offer higher levels of encryption/security (mostly relevant when using public WiFi for example).
It does not offer any guarantees of anonymity, it does not protect you from malware and most importantly of all it will not protect you from your own misbehaviour, mistakes, habits or carelessness.
It certainly won't make your security any worse so there is no downside, though do be aware that some can slow your connection speeds.
Personally I use a VPN when I wish to conceal my location and the rest of the time make sure I am being smart, with anti-malware stuff as a backstop.
However, I am probably "password paranoid", never open attachments or files without thought and care. I don't browse "dodgy" sites and I don't download stuff without checking it out.
As far as I can quickly think pretty much everything I use and care about requires something I have and something I know and all sensitive files on my computer are not actually on my computer they are stored on a small, and very old, NAS which is not, by default, online.
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