I keep hearing on VPN ads that you have to use a VPN to not have your login information stolen. So far I have been using Cloudflare WARP to be safe enough. However, if I am using an HTTPS website, do I really need a VPN or WARP? Will an attacker on the same network as me be able to access passwords transmitted over HTTPS?
This is not completely true. Try to look at email from shops (for campaigns etc.), and you will see tons of click-tracking links that go through HTTP. Any of that gets hijacked, and you have an avenue to be phished. DNS integrity is key, and a VPN being a layer 3 control (i.e., at the network level, not the application level) helps preventing some of these attack vectors.