I was going to post this inside one of the VPN deals but I think it is better served in the forum and would not favour creating bias against the latest deal involving PIA.
If your VPN is going anywhere near the United States, there was recently a bill passed that allows communications providers to sell your internet history.
Lots of VPNs piggyback off a major cloud service provider which will undoubtedly keep logs. PIA might not keep logs, but the service provider they piggy back off is most definitely going to be doing so.
For example: NordVPN in Singapore uses Digitalocean, F-Secure's Freedome uses IBM's Softlayer cloud.
Digitalocean definitely has a metadata retention clause.
There are plenty more examples but too many to list. I think is it pretty obvious that almost all cloud providers retain metadata. It's valuable and they can also sell it for cold hard cash. Too many to list… It's very easy to find out yourself what you are connecting to just by using Google.
What are you actually paying for is not protection because the metadata will still show the VPN as the endpoint and anything you do at that endpoint will still come under scrutiny.
In essence what people are paying for when they torrent illegal content is for someone to ignore the DMCA notice. If your abuse is important enough then you're still going to get a knock from Interpol.
You can get this service much cheaper by renting a cheap VPS in Romania or other Eastern European State and going DIY.
So, are VPNs really a bargain should be challenged, especially when there are so many Gotchas?
Do Your Own Research About Your VPN Provider. Check if the server you are connecting to belongs to one of the giant VPS providers that retain metadata.
I would say currently VPNs are not really a deal at all because the metadata currently cannot be used for civil proceedings. However, if you go and use one, you might well be getting your data vaccumed up and sold; possibly triggering the thing that you are trying to avoid.
I'd say 28,000 drive away is a fair price.
I'd get the dealership to throw in tint or floor mats.
Good luck!