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The VM is easily vulnerable to the host OS, so running in a VM only protects the activities you do in the VM in the sense that the software pwning the host might not be looking for it. So not really.

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Unless you are not using the host OS for anything _other_ than virtualization. If the host OS is used to host VMs[1], which are then used for specific tasks (casual browsing, banking, development, etc). Any exploit will be limited to the VM. This would be a pretty solid setup. It is only vulnerable to attackers that have direct access to the hardware, or have the ability to exploit the hypervisor.

[1] in other words if the host OS is used as a hypervisor, or if the host OS _is_ a hypervisor.

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