It’s been years since I used a private tracker (pre-Netflix), but your experience seems to mirror mine.
I’ll expand on the quality angle for video, I’m going to be watching on my tablet, anything beyond 720p is going to be marginal at best. I also wear glasses, so reality rarely reaches 4K. For music I appreciate FLACC, but I’ll be hard pressed to notice the difference between that and a 128kbps MP3 I encoded 25 years ago most of the time.
Still, a well seeded deep collection is something I miss. Public trackers are fine for popular stuff, but trying to load my wife’s MP3 player with musicals is proving the limits of public trackers.
On the other hand, running a seedbox is a bit more involved than a VPN. In order to maintain ratios, keeping a seedbox is highly recommended from what I recall.