The most common argument used in defense of mass surveillance is ‘If you have nothing to hide, you have nothing to fear’. Try saying that to women in the US states where abortion has suddenly become illegal. Say it to investigative journalists in authoritarian countries. Saying ‘I have nothing to hide’ means you stop caring about anyone fighting for their freedom. And one day, you might be one of them.
I’ve torrented in the US and haven’t been hit with anything. So I think it should be fine as long as you vpn anywhere. Except maybe very totalitarian countries.