You bring up a good point. I usually don’t use VPN’s for day-to-day use either, so maybe I won’t convince you otherwise, but I’ll mention why I do use VPN’s.
- Connect back to my home server when I’m out of the house
- Torrenting (you already mentioned that)
- Hide my IP address from a new Google account that only exists on my GrapheneOS profile that downloads app updates from the Playstore.
Otherwise, yeah, I’ll agree always-on VPN probably causes more inconvenience than benefits.