I finally went through a lot of painstaking research to decide on the Identity protection that is right for us. It seemed to come down to Lifelock and Aura with Coveron and a couple of others in the mix. I found there are certain applications to so specific things and most are quite good at them. Km Kommando who has the radio show and podcasts always has good ideas. The ones she uses are not doubt quite good and probably sponsor her show as well. That said, I know she would not recommend them if they were not meeting all of her needs. NordVPN - Excellent VPN (virtual private network to mask your identity) and NordPass to protect passwords. Perhaps none better for those specific things.
I wound up selecting Aura which provides a good mix of protection in all areas. Lifelock is very good and would no doubt work best with my Norton antivirus but they just have way too many tiers and different things to sell you. I will probably change my antivirus later as well, Norton is very good but when the bill comes due after the initial "deal" it is often extremely expensive.
My best advise is - do your research and try to understand what will work best for your situation. This is much like figuring out what food to store - it depends upon your family's specific needs. The bottom line though is do NOT do nothing in either case. Spend some TV time and do some research. You will sleep better if you do.