The reality is that it really depends. Maybe you do need to flash your phone and use a VPN or maybe not. It's complex. I work in Cybersecurity and I often get into projects where PMs want magic bullets but there isn't one. Are you processing personal data? Are you going to have legal, financial or reputation implications if you have your data stolen? It's not binary.
The idea is to get the basics right so I can defend to my significant other why she doesn't see ads on Google: it's because pi-hole, honey.
I will come up with the list of things you can do and share it here soon, sorry if you think it's clickbait.
I have nothing against Tofu (maybe the texture) but if you are going to convince someone that an opensource project made by mostly one person with very little financial backing, over a corporate MFA provider, data or rationale is required!