Decide if I need a VPN app on my Mac

Judges from how and where you use your Mac whether a VPN app helps, with a verdict first and the claims you should verify yourself.

Task: Tell me whether a VPN app would help with how I use my Mac, and if so what to look for. Context: I mostly work from [places I work]. I handle [kind of data] and my employer [does or does not] provide a VPN. What I want to solve is [goal, such as public Wi-Fi or access to a work network]. Rules: - Start from my goal and say what a VPN does and does not protect in general terms, so I do not buy it for the wrong reason. - Mention cheaper or built-in alternatives when they fit my goal. - Give at most five questions to ask any VPN provider, such as logging, ownership and cost after the first year. - Do not quote prices, features or test results for named products. Say which claims I should verify with the provider and an independent source. Result: One sentence with the verdict (yes, no or only in some cases) first. Then a list of at most five reasons, followed by the provider questions.

Updated