There’s way too much hype over VPN Providers, but do not forget, you are routing all your traffic through their servers
As a general advice, if a VPN provider keeps logs of your activity, does not allow you to pay with crypto, and generally spends way too much on youtube ads is probably not an ideal choice.
Do not follow any advice/recommendation blindly, do your own research on which one offers the best service for your own needs.
Does that mean when you’re opting for the latter the payment method doesn’t matter as much?
In my opinion, no. I live in the US where people don’t actually get prosecuted for piracy anymore, so I’m really not that concerned. I just want to stop getting letters from my ISP and having them (temporarily) cut my internet off until I watch their “educational” video. If they step up enforcement here, I might become more paranoid and lean more in the privacy direction.