As a US consumer, I can’t use a lot of these VPNs. When you dig into how local governments are trying to break encryption in many countries overseas it makes you slow to sign up for services. The worst case would be you use a service, get invested and a few weeks later new legislation you’re not following/in the know about gets passed and some of your data is now in some foreign governments jurisdiction more so than it was before.
It’s not that Germany or Sweden in particular do that today but I also haven’t quite looked into its bounds, if five-eyes alliance reaches them, etc. There is a lot you have to be cognizant of.
Also I like Bitwarden but Vaultwarden is the way to go; just make sure to donate/pay somehow for bitwarden if you use its clients.