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Please use a VPN anyway, as if hotel WiFi is secure lmao
HTTPS solved much of the security issues of untrusted networks. As long as you're not doing banking or whatever, you should be fine without a VPN.
Why would banking be an issue? I get that its a target, but I really would expect a bank to take care of their TLS.
Also i would expect banks to use some sort of 2FA where you have to manually confirm any transaction on your mobile device, or enter a code generated from there into your computer.
No security measure is perfect. When doing security-sensitive things, it's better to wait when you're home on an uncompromised network.
But yes, the chances of something happening is very small, even when using an unknown network.
It should be fine as long you don't click through any SSL errors. And something like a bank should have HSTS enabled, meaning your browser will refuse to load the site if there's an SSL error.
They don't let me choose a password longer than 6 characters. I don't assume anything about my bank's security.
Personally I do a Tailscale tunnel to my home network, if nothing else but so that services don't log a hotel IP