It is something to always take into consideration and not forget.
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I personally think VPNs are mostly a waste of money
For “privacy” yes, almost entirely.
If your VPN isn’t routing to your home network so you can safely access selfhosted applications then you’re basically just sharing your traffic with a total stranger and trusting them not to run telemetry etc.
It depends who you trust more, your isp or your vpn provider. Isps are not known for doing right by their clients
You also have to trust your vpns isp.