Everyone saying you don't need a VPN but you do

VPN
1

I’m a cyber security hobbyist, but I admit that I’m a newbie compared to the veterans out there. So I wanted to stop by and ask why every youtuber these days says you don’t need a VPN. I say you do, if:

  1. You don’t want everyone and their dog to see your real IP (so basically you’re against being dox’d)
  2. You lousy government is censorious so you can’t watch x,y, or z
  3. You want the whole of your traffic encrypted (it helps a bit more than HTTPS, right?)
  4. Your ISP believes they should get to determine what you download, and will cut off your internet if you don’t have a VPN

I’m hoping someone here can tell me if/where I’m wrong on that list. Lastly, why would the pos EU government be trying to ban them if they’re so useless? Methinks these youtubers don’t know what they’re talking about. Thanks!