Hi. I'm Brian, an Independent Advisor.
In my opinion, there is no reason for a home user to purchase any additional security suite. Defender, included in Windows 10, is a sufficient. I also (this is just me) would never install a product from McAfee on my PC. They have had a history of making computers less secure.
Note that when you connect to your bank or, in fact, most web sites, the connection is encrypted already regardless of what security suite you use or even if you use none. Home network connections generally don't need VPNs. Those are most useful when accessing a public network that others share with you, like you'd find at some public establishment like a library or coffee shop. What a VPN for home use would do is prevent your ISP from knowing what sites you visit, but DNS over HTTPS should do that as well and that's natively available in Chromium-based browsers (Edge, Chrome, Brave) and Firefox also without a VPN.