Most of the VPN I've used have as much bandwidth as I originally have.

But the connection is not very stable to say at least, it sometimes drops to zero (but recovers quickly).

VPN barely affects speeds on my end and I have a gigabit connection. Usually the bottleneck is the torrent itself unless it’s extremely popular.

I’ve downloaded games over Steam at full speed over my VPN...

Steam downloads have nothing to do with torrents.

Come on. My point being - VPN isn't the limiting factor here. It's the people you're downloading from. If you can't see the connection I can't help you.

PIA does.