Thanks it seems my question ed as been answered and not to bother with a VPN.   
 
  
		 
Have to smile!  
You've had, I think, opinions given by 5 practical Caravan Forum members.  Of course in no way would I presume to cast any doubt whatsoever on their posted opinions.  We all have every right to our own opinion that goes without saying.
However it's good to find someone who reads a thread in a Caravanning Forum and forms an opinion from half a dozen posted views.  Wish life was so simple for all of us!
Just for information I have a VPN (Nord) and have had for a number of years.  I find the password manager to be useful.  My browsing speed is unaffected by the VPN.  A VPN can provide an extra level of security - it encrypts your internet traffic ensuring it is unreadable to hackers and, of course, your ISP.  Yes I can appear to log in from dozens of countries and my real IP is masked.  
Of course no VPN should be seen as the ultimate security.  They do not "completely protect" but you may decide the extra cover that comes with them worth the cost.
Well - obviously you won't but maybe others will.