Best thing to do in a situation like this is to have a bake off. Just pay the smallest amount of money you can to test out other services till you can form your own opinion.
I would test mullvad. It does split tunneling with a kill switch at the same time, it also allows you to do local networking without split tunneling. It doesn't do any logging and you can pay in cash. I use it to seed and in my torrent app (qbittorrent) I set it to only connect to internet through my VPN so even if the kill switch somehow failed, the moment I'm no longer on the VPN my torrents stop no matter if I'm leeching or seeding.
For further research, I suggest the piracy megathread