Well, I use a VPN when I'm traveling to access my home network, because that's my office network. I can remote to my desktop and do stuff there, or I can fire up a web browser and stream off my Plex server.
But for your normal home user, I can't see VPN technology being all that useful outside of telecommuting to their offices wherever they may be. And even these use cases are fading a bit because we have cloud services that are capable of securely filling that role without using the so called "VPN".
Anytime you need to connect a computer to a network it's not directly connected to, over a public network, the use of a VPN is recommended. Unless, the thing you're connecting to is designed to deal with the realities of the Internet all by itself. Many people will think about the encryption involved and say that's what VPN is all about, but that's actually not true. VPN is about authentication, not encryption. It's about verifying that a given remote device or user, is to be trusted with access to a network's resources. The encryption is an auxiliary feature bolted on to help meet the security goals in question. But before that can happen, you have to determine if the connection is to be trusted or not, authentication... it's hard.