Having your email account hacked is no joke and it is very profitable for hackers. One of the most common responses from people I speak with is “My account is not valuable, no one will try to hack me” – It doesn’t work that way. Hackers cast a large random net, catching as many targets as possible. Some will valuable, some won’t, they don’t care. Also, your eMail is probably more valuable then you think.
M365 is an incredible value.