VPN, anti virus, ant malware et cetera, all are good but non of them are any good if your an idiot, if you follow all links sent to you, if you read all emails sent to you from dodgy overseas ladies in hopes of seeing a bit of skin, if you click on all internet links without knowing where they go and from people you have never known before.
You would hope that some of the software can protect you but in essence you need to up your game and be aware that the internet is a quagmire, a cesspit and that's only the start of it.
If you use the same or similar passwords for lots of sites, if you use weak ones (like your pets name) for banking sites etc. Then your risking impersonation highly. Use a password manager so you have a long and very unlikely to be cracked password that is individual to each and every site. The managers can fill in the login fields for you so you only need to remember the one password (as long as it is a good one and not P@ssw0rd1$.
All these AV programs can be bypassed or got around - ALL of them.
They can all be turned off on certain sites (such as youtube) because they make it not work so you turn it off - that's when you are greatly at risk.
So stop asking "which software is best" and start thinking about your own actions.
Then when your nice and secure, start having a word with er indoors and tell her to stop using P@ssw0rd1$ etc.