If someone wants to kill you, they can. Get over it. It is silly to lock your door as even a low skilled person with right tools can break in a locked house easily.
"If someone powerful wants your encrypted data, they will have it. It's dumb."
But that's not at all the case, you can definitely encrypt data in a way that no one can break it.
Even if you assume there's an all powerful state that can decrypt everything. There's a distribution of malicious actors with varying degrees of power, you'll at least agree that not all eavesdroppers can decrypt your comms, they most certainly will be a minority, and an infitesimally small minority at that point. You can encrypt such that you protect yourself against the 99th percentile.
Regarding what you have to protect, you could be in charge of an organization, and you don't need to encrypt data yourself but consider how data is encrypted by your vendors, and when those vendors get hacked or their db's leaked, you can assess how it affects your company.
Just in general, knowing the many complexities of how data is encrypted and not encrypted and accessed and leaked and subpoenad, is much more useful than the binary of "THEY" have my data or "THEY" don't