If you work with databases it’s still safer to stop incoming data for the time of the backup. I don’t know why a higher CPU load would be a problem, those checks don’t run long or do so much your system would be under much stress. Do your backups at 3am if you still think the minute of highe load would cause any problems.

Your anonymous login data and a "paid until date X" are literally all fields that are necessary for them to have it work. And even if someone can make the connection they can only see that you are using a VPN, not what for because the company doesn’t keep logs about your activity (and besides that doesn’t even have to hand them out). But keep saying "offline is more secure". Yeah, d'uh, then please do us a favor and stay there.

The question still included this requirement, so don’t suggest solutions that are not applicable then. Good VPN providers offer to pay with various services not linked to your personal data for a reason and they don’t sit in countries like the US. Please just stop spreading information about things you clearly have no clue about.

When you torrent totally public domain stuff you most likely want a VPN with enough privacy to not give your IP to authorities. I can’t see that point if you run a VPN on a machine somewhere in the cloud which has your name registered to it.