Going for the pro upgrade is not about making it secure. It's about the features and disabling more things.
In any case, I do more "high risk" online stuff than my mother, but she's the one who gets viruses, malware, and ransom ware on a regular basis. When I had to do a clean reinstall for her the last time, I gave her all the tools and showed her how to use them. That she chose not to use them was her choice. When she told me about the ransomware scam she fell for (she had no clue until I clued her in), I decided I have to wash my hands of trying to save her computer. It's like a person dying of thirst in the desert refusing water. Whereas I actually implement security practices and programs.