They give you points for active torrents even if you dont seed anything. If you keep your torrent client active 24/7 its quite easy imo. I have 1.7 TB upload of witch 1TB was bought with tl points
Most providers offer both openVPN and wireguard where latter is better afaik. What you want for safe sailing is kill switch. When something goes wrong you dont want your home IP to leak, and kill switch will make sure you are disconnected instead of using home IP.
So if you get AirVPN for example, download their client called Eddie and look for kill switch option (called network lock). Other clients might have different name, some might not have that feature at all and some might have crappy kill switch.
What I use is qbittorrent in docker container hidden behind VPN in gluetun container (most recommended setup afaik)