A VPN isn’t magically solving all privacy and security issues. Personally, I would trust Mullvad, Proton and IVPN with my data over my ISP. They’ve been audited, and they’ve been put to test multiple times, and not been able to give away data. But it all really boils down to personal needs, and each to their own on that. If you don’t want a VPN, then don’t buy into one.
A VPN isn’t magically solving all privacy and security issues. Personally, I would trust Mullvad, Proton and IVPN with my data over my ISP. They’ve been audited, and they’ve been put to test multiple times, and not been able to give away data. But it all really boils down to personal needs, and each to their own on that. If you don’t want a VPN, then don’t buy into one.