The first reason is perhaps the most important. If you're concerned about your ISP, housemates, landlord, or someone totally random accessing your data, you could probably benefit from using a VPN. Any sort of activity on an unsecured WiFi network leaves your private information and browsing habits exposed to the world, unless you're using a VPN. Even porn sites can track your activity if you're unprotected. Pornhub tracks IP addresses for example, which means it has the potential to collect information about your site usage. But with a VPN, your IP address will always remain hidden.
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Increasing demand
I've spent a lot of time on my desk setup, and there's nothing else I can think of that I would change.