That's a good attitude. All the essential stuff should be end to end encrypted at this point. For example, if you use the web. All your connections are over SSL. Depending on how that is set up, your connections might leak some information about domains you are talking to. But beyond that it's just unreadable garbage for any man in the middle. So, how much does it matter if you use a public wifi in a hotel, airport, or some mobile phone network, etc. Answer: it mostly doesn't matter. Unless you are a network security expert; you should treat your home network with the same level of distrust as you would treat any other public network. You can't assume it to be 100% secure. No matter how many acronyms your router supports.
If you feel strongly about it use a vpn. Wireguard is nice for this indeed. And indeed some IOT has pretty shit network security so you might want to care about securing that in your home or office network. But beyond that, your exposure should be pretty minimal even if you don't use a VPN.
And reality check: most people aren't network security experts. I'm certainly not one even though I've been active as a developer for a few decades and kind of know what I'm doing.
So, IMHO WPA3 is a waste of time. I don't care about it. It might be more secure by some unknowable degree. But since it is unknowable (for me), I can't be bothered to care. I'd on principle treat it as just as insecure as WPA 1 & 2. Or no network security at all. Which is good enough for me to run my SSL connections over them. And even if it is super duper secure, I don't necessarily trust the Chinese manufacturers supplying the router chips and firmware to do the right thing. In my experience, the vast majority of routers run years out of date firmware supplied via a very shady chain of suppliers for chips and software that I definitely don't trust.
So, WPA 3 is a security blanket. A false sense of security. If you have reasons to be paranoid, go for it. It probably helps. Just like tin foil hats, Faraday cages, and all the rest. I don't use those either. But for the rest of us who aren't network security experts with operator supplied routers at home and working in office environments as well as on the go with random third parties maybe taking care about network security a little bit in the networks we connect to, I treat all networks equally: 100% untrusted. I don't care about what acronym soup applies to the network or how shit-hot the graybeard that manages it is. I just blindly assume network security is mediocre at best and connect anyway. For me network security is about being able to use my laptop safely in a completely untrusted network. Because that's where I use it all of the time.