I just want to add that you that you can also setup multiple user accounts for different uses. One for banking, one for gaming, one for downloading random crap. It will not protect against privilege escalation attacks but will help against random scripts exfiltrating your personal documents.
Another nice layer is containers and containerized applications (flatpaks, bubblewrap, etc). Each app will be somewhat limited in what damage it can do.
Running pi-hole as your DNS or using some other filtered DNS provider (Mulvad or others) will also protect you from some shady sites.


I’m old enough to remember UML (User Mode Linux). I don’t know if it’s still around, but it was a port of the Linux kernel that you would run as a standard user binary.