Pipexer, it's the "very little to worry about" that is my problem, namely quoting a previous post: "the broadband connection [could still] be broken, slowed down, stopped and started". And as mentioned also a wire tap could see the VPN gateway being connected to (this is it looks like causing me problems). Also I'd kind of prefer if a hacker could not see my surfing fingerprint (temporally), which would be trivial with a wire tap.
One final not entirely insignificant issue also, I'm suggesting encrypted VPN packages do not work fully out of the box - subscribers are being lulled into a false sense of security (unaware of the work it takes to set them up fully properly). You may say that not many people need that level of peace of mind, but the information should still be provided.