Another thing often overlooked with VPNs is that they're just not that fast. I have a 600/40 connection, and I've tried at least six for-pay VPN providers. The fastest one I found (won't mention as my goal isn't to advertise for them) hits, at best, 100/30. And even then, only over L2TP. For whatever reason, OpenVPN is always slower on every PC I've tried this with.

And obviously, you gain a good deal of latency, especially if you use an overseas exit point.

And now we get to deal with shitty services like Netflix punishing privacy-conscious users and blocking access to paid accounts while your VPN is up.