I keep hearing on VPN ads that you have to use a VPN to not have your login information stolen. So far I have been using Cloudflare WARP to be safe enough. However, if I am using an HTTPS website, do I really need a VPN or WARP? Will an attacker on the same network as me be able to access passwords transmitted over HTTPS?
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This is pretty misleading due to its brevity, an attacker on the same network can determine what website you’re going to but not the content being exchanged. A VPN moves the threat of having your browsing destination determined to the VPN provider from the local network.
That said, modern WiFi encryption does prevent other devices on the network from eavesdropping, so the attacker would have to employ a more involved attack (e.g. ARP spoofing) in order to even see the destinations.