My lifetime account is with VPN unlimited. Granted, I only use it to bypass region restrictions when needed.
For torrents, I use a seed box. dediseedbox has a light plan for $15 a month. I either upload a .torrent file or paste in a magnet link. It often finished in seconds, then I download from it via sftp. By default, my seedbox doesn't actually seed public torrents, but it does seed torrents from private trackers. I've never received a notice or warning since using the service, even when grabbing Game of Thrones...
I will be the last person to die in my lifetime.