Thanks for all the responses!
I edited the post to add that I have iCloud+ through a family member. Making it (and iCloud Private Relay) free for me.
I am still very torn but I think I will try both approaches and see which one works best for me. But as soon as I can afford it I will get Mullvad, and leave the Apple ecosystem.
Can’t wait to leave the Apple ecosystem and use Linux (and a custom Rom) after Apple’s recent user hostile actions in Europe.