this post was submitted on 16 May 2024
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Your provider will just see encrypted traffic (mostly) anyway, so no it will not provide protection. The only thing that you're now hiding from your provider is which servers you're connecting to. Instead you're showing that info to a VPN company whose main business practice is scaring people into buying a product they probably don't need. Think about who you would trust more.
The provider and national TLAs will see all traffic that is in cleartext and meta traffic which is even more valuable. It can also actively tamper with that traffic. So you're technically incorrect and you assume your threat model is universal. It's not. And, of course, there are use cases for Tor, whether with or without VPN.
While my threat model is not universal, it comes close, at least for the average user which OP seems to be from their question. In practice, there is very little unencrypted traffic these days and in the case of that traffic you will have to ask yourself if your (commercial) VPN provider is more trustworthy than your ISP.
If you need to ask if you need a VPN there's a 99% chance that you don't. There are certainly a few use cases for both commercial VPNs and TOR (see my other comment) but to even be aware that those apply to you, you probably already have enough technical knowledge to approach the question from the direction "I want to do XYZ, how can I be more secure?" and not "I've heard of VPNs, do I need one?"
It’s not just all about encrypting traffic. Many people connect to the internet over a static IP most of the time from their home network. A VPN provides protection against tracking in this case.