Am I okay without a VPN on public networks if I use HTTPS?
I keep hearing on VPN ads that you have to use a VPN to not have your login information stolen. So far I have been using Cloudflare WARP to be safe enough. However, if I am using an HTTPS website, do I really need a VPN or WARP? Will an attacker on the same network as me be able to access passwords transmitted over HTTPS?
Yes you're good. The ads are basically lying, or at least vastly overblowing the importance of VPN. It's nice to have in some situations, but no, hackers won't immediately pwn you as soon as you connect to a McDonald's wifi.
It was just a few years ago, before everything on the Internet was HTTPS, that using a public Wi-Fi was pretty dangerous, in terms of exposing your login credentials and traffic.
Even today, it's possible that some random sites might be HTTP only, but it's unlikely.
But even then, anyone on the same network can still see what sites you are going to, just not what's being said.
This is not completely true. Try to look at email from shops (for campaigns etc.), and you will see tons of click-tracking links that go through HTTP. Any of that gets hijacked, and you have an avenue to be phished. DNS integrity is key, and a VPN being a layer 3 control (i.e., at the network level, not the application level) helps preventing some of these attack vectors.
In this particular instance they are talking about hosting a Virtual Private Network (VPN) at home, not connecting to a commercial VPN service. And this is definitely the best way to do this. HTTPS isn't authentication, unless OP uses client certificates, meaning anyone can reach the hosted service and try to exploit it.