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I use gmail with default settings.

This isn't some situation that is unique to me. Most anyone could have their life messed up badly if someone got on their email and wanted to do them harm.

In other words "not end-to-end, but encrypted on all hops for most messages". Is there any evidence of email being intercepted by anyone who would wish to do anyone harm that isn't a public adversary of western intelligence?

Encryption won't help you when someone installs a key logger on your endpoint.

As in using PGP or something?