How much is your Security Budget?
$0 for security software. I have found that
I can impose user-defeating security on Windows by leveraging what native security already exists on Windows Pro.
I suppose that you could say that my annual Security Budget is whatever I paid for the Windows Pro license divided by the number of years that the system is in service.
VPNs are a waste of money given the net benefit in terms of actual security is zero. Many cause problems, all the VPNs will cooperate with law enforcement and security services, and support is generally not very good.
Paid password managers are a waste of money because there are free options that perform very well - better than the paid options.
AdGuard is worth it as long as using its features does not interfere with the system; AdGuard does not work well with a lot of VPNs that have their own DNS filtering. There's many reports across the years about this problem. There are periods of time when the AdGuard VPN conflicts with the AdGuard app itself. That has been an issue at least ten times since the beginning of both AdGuard VPN and AdGuard.
Backup might or not might be worth paying dependent upon what the user needs, but for the most part - again - a waste of money.
Virtual Machine software is free, so don't have to spend 1 Euro there.
Router security is free - so not spending money there.
I suppose my budget - annualized - is about 10 Euros. I spend more in time and effort - but that is no different or more than what I would spend for paid premium products.