Do I actually need a VPN for home use?

For what you describe, not really. Your banking and pretty much every site you visit is already encrypted (the padlock), so a VPN doesn't add much protection at home. What it actually does is hide which sites you visit from your internet provider and let you appear to be in another country, mainly useful for streaming catalogues. Public Wi-Fi is a reasonable use. Home browsing, you're fine without one. The sponsorships are just very good money.