I can only offer my own observations, but I have been using Surfshark for several months now and it ticks the boxes for what I want. Just my two cents, but for the purposes you mention, using a private browser window and keeping your login details secure should provide you with plenty of security. That is, as long as you use the same computer, at home and with proper anti-malware/virus precautions in place. The VPN only becomes of interest once you start using these services from locations all around the globe on a variety of WiFi providers if you ask me.