WebP is a great format for websites, but plenty of places still will not accept it once you download it.
You save an image from a website and it comes down as .webp. Older photo viewers will not open it, and upload forms — a marketplace listing, a job application, a government portal — say "JPG or PNG only". So it needs to become a JPG.
WebP is Google's image format for the web. At the same quality it is smaller than JPG, so many sites now serve their images as WebP. When you right-click and save, you get exactly the file the page was showing.
Viewing it is fine. It is when you re-upload or edit it that you run into places that still only take JPG.
Nothing is uploaded. The conversion happens inside your browser.
Converting WebP to JPG usually makes the file a little larger, because WebP packs the same image into fewer bytes. If size matters, shrink while you convert: choose Long edge and enter, say, 1600 px — plenty for a blog or a listing. See how many pixels to resize to.
WebP is also already compressed, so converting compresses it a second time. Keep quality at 0.8 or above to avoid stacking artefacts.
It works the same way in a phone browser, without an app: pick the WebP files from your photos, convert, and the JPGs go to your downloads.