To flip the question around: what benefits does Tor give me over my existing setup? I can see an ideological argument, and I can see the $5 or $10 a month savings, but — especially given my threat model is well enough served by a VPN — I'm curious if there are other practical benefits of Tor that might help overcome the obvious downsides (more complicated setup, slower)
> I can see an ideological argument, and I can see the $5 or $10 a month savings
That is the benefit of Tor.
There's also the fact that the VPN provider is in a position to know where your traffic is both coming from and going to, and there is nobody who can do that in Tor.