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You don’t need a VPN with Torrentio + Real Debrid. You are not torrenting - they already torrented it for you, and you are streaming the cached file directly from the RD servers. I think the only “catch” is that it’s not free (obviously) so I don’t think you can call it “free lunch” lol. Torrentio addon specifically scrapes the debrid service - now, if you were to install, say, TPB addon for Stremio, it would be torrenting, so you don’t want to do that without a VPN.
Fun fact: epub can contain a virus without being an exe. Epub is essentially an archive of text, image and stylesheet files (try opening it with WinRAR, you might be surprised). You can put a malware script inside that archive, and it won’t flag until you try opening that ebook on your PC. So you actually need to be more careful with ebooks than, say, video or audio files.