I tried to post this on the "Serious Discussion" board, as it doesn't necessarily pertains to Bitcoin, but couldn't do it. Sorry.

So, as I stated before, I've been doing a lot of research, while getting ready to start investing. Not surprisingly, I learned that there are a lot of criminals preying on crypto investors.
Now, money is (courtesy of, among other things, the damn pandemic), very tight. I've been looking at ways that may be within my means (or lack thereof) to make my investments as secure as possible.
So far, I'm looking at using 3 operating systems (Fedora Linux for my main activity online, most likely with Tor, Windows 8.1 inside a virtual machine for information and monitoring purposes only, and Tails with Tor for coin cold storage).
My question would be, initially, about VPN's.
Would using Tor over a VPN be a good idea for crypto trading? I understand (to a point) the advantages of such a setup, but would it provide any real advantages in this case? Is it worth the extra expense?
I know Linux is generally (not 100%) immune to malware, but I'm particularly worried about phishing and keyloggers. In the meantime, I have installed ClamAV already, and I'm keeping as secure as I can. Am I overthinking it?