Just wanted to note, that by using any VPN you're deliberately putting yourself in a man-in-the-middle attack type of situation and the usage of non-HTTPS sites and non-SSL/TLS services should be highly discouraged! Also you're deliberately rendering any kind of firewalling that your local network provides ineffective and are potentially opening up your entire LAN to the world!
A paranoid fellow aren't you?
The right kind of VPN is the best solution that there is. That's a very very general statement.
I'm not being paranoid, I'm stating technical facts that should be considered. You're basically unfirewalling your network by using a VPN improperly!
VPNs don't do anything for you per-se. The difference is that on a VPN the entity you need to trust is the VPN provider rather than your ISP. I don't see how that's any better or different in terms of security or privacy.
Calling me paranoid for stating that just shows your lack of knowledge about the matter.