Yes, but if you want a serious setup you want one VPN each for banks, Google, Amazon, Facebook and all the shit services you still didn't get rid of in your life. So $10 to $15 per month is probably more realistic. Browsing all other websites via tor can then even exclude IPs to the data grabers on the browser or system level.

It depends on your threat model. You could have one system-wide VPN, one HydraVeil browser instance for financials, and one HydraVeil browser instance for social media. Which would be $3/month. There's no "correct" amount of obfuscation. So yes, the higher degree of op-sec desired the more you'll pay.