I use a VPN 24/7 on my main laptop but, to be entirely honest, public WiFi is not the danger it used to be because virtually everything - and certainly stuff like banking, email, messaging, social media, etc - use modern TLS (HTTPS) connections.
Unless you have an old device that can only accept outdated TLS connections with known vulnerabilities (TLS 1.0 and 1.1 are not safe, TLS 1.2 and 1.3 are good) it is very difficult for an attacker on the network to intercept your traffic.
And if you are running outdated software, the bigger issue is your OS will have unpatched vulnerabilities.
So update your OS and all software running on your computer, enable the firewall and set it to stealth mode and block all incoming connections, and honestly you'll likely be fine. Your internet traffic is encrypted and the only way to hack into your computer would be with a zero day, but a VPN would not prevent that anyway.
If you are concerned about the possibility of a zero day being exploited (it is a remote possibility, but a possibility nonetheless) then use a mobile hotspot as others have mentioned.