I'm considering using a VPN. While I'm not excited about any more hassle with connections I think I'd feel better about the security.
Having said that, like Broadhopper said, I've had excellent luck so far with Win 10's security features. I also am not on social media. Finally, I don't use public wifi. If I'm at a coffee shop or similar I use my cell phone's hot spot rather than the free wifi.
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