I avoid any "free" wifi except for video streaming and stuff through the iPhone. Generally you'll get a much more secure and definitely faster connection if LTE service is available. I carry an older MacBook Pro that doesn't have any sensitive data for other times when the only thing available is free wifi. Plus, I always use a VPN service, although that usually slows things down a little.
As far as banking, bill pay, etc, only use the iPhone dedicated apps.
At some point during every day you suddenly realize nothing else productive is going to happen the rest of that day. For me, it usually occurs around 9 am.
Vengeance 25V (the Harley needed a home)