YMMV but I never got into trouble for torrenting.

Bell Aliant in NS, Canada.

You are fine without a VPN until you aren't anymore. Torrenting was fine in basically every country until it wasn't anymore. And then some people got burned without a warning.
So you can roll the dice, it might take years until people start caring in your country and you are fine until then. Or they might start caring in a few months. If you aren't, there is a chance you will have time to react to the news when other people first get hit in your country or you will be one of the first. If you are already using a VPN you can rest assured that you won't be one of the first.

I personally wouldn't take the chance. Mullvad is €5 a month, and is worth it to me. My ISP completely shut off my service before ever giving me a notification. I had to completely restart service after going full Karen and blaming it on "my kids." I would do a few searches and find posts or info relevant to your area or ISP.

If using qBittorrent there is an anonymous option. Not sure if works well but I haven't received an ISP email in a long time since I set it

Definitely should have one. Highly recommend Proton VPN personally. I love their software suite.

You all seem to be starting from the basis that downloading a torrent is illegal. It is not, it is only distribution/upload that's an issue. If you behave as a leech and kill it after you're done the worst you're going to get is a complaining letter from your ISP.

I torrent without a VPN and haven't had a single email from my ISP, but I presume it's because I'm a business customer.