There seems to be a sub-group of salty dogs that sail without protection. They are often US saying they get lots of letters from ISP but nothing comes of it, lately. I'm one to hedge on the side of caution and will be continuing to use VPN but just wondering how much this is just a loud minority and how much truth is to it?
Can you elaborate what you mean? If someone lives in an oppressive country e.g. China, with many blocked sites or censured internet, I understand. But if you don't live in such a country what would be a usecase apart from piracy?
Well, one of the biggest reasons to have a VPN is just the privacy. Your ISP spies on you, and sells your browsing data to corporations like Amazon. A good VPN will also block ads, trackers, and malware, which helps keep you safe while browsing. You might also be on an ISP that throttles some types of traffic, such as streaming media.
A VPN, as long as it's set up right, prevents anyone from seeing what you're doing, even if they have access to your traffic. And if you're in the US, there's a strong argument that being free from casual intrusion into your internet habits by corporations and the government is a Constitutional right.
That's my main reason. I don't trust my ISP at all. Plus, they most likely are the only one in your area. I'd rather not give them any ammunition to mess with me.