

A VPN can absolutely protect you from hostile software elsewhere on the network, so long as you don’t accept traffic from any source other than the VPN. Doing that correctly is a fairly sophisticated thing to do though, and a sufficiently sophisticated threat might find a way to attack you still.
It all depends on your own technical ability and whether you’re protecting yourself from a script kiddie or palantir.









That’s not strictly true, because online shops for tradespeople often have a toggle to control whether VAT is included (and switch it off by default).
That’s a special case though, because VAT is handled differently between businesses