When using public Wi-Fi without a VPN the following risks should be considered:

1. Networks can be open to anyone, leaving you susceptible to cyber-attacks.
2. Public networks often lack encryption, meaning that data europeing the network may be unprotected.
3. Using a public network to access sensitive information can be risky, as data can be vulnerable to theft or interception.

To protect yourself when accessing Wi-Fi networks:

1. Always use a Virtual Private Network (VPN) to secure your connection.
2. Be sure to check the owners of the Wi-Fi network before connecting.
3. Avoid accessing sensitive information over a public network.
4. Be sure to keep your device and its operating system updated with the latest antivirus protection.