I notice the same effects as well. On desktop I keep it on because it doesn't take any longer and provides extra secutity, so why not. But on my phone over lte it doesn't work at all, so I keep it off.
There are only a handfull of quantum computers that could actually brute force a good vpn, and I highly doubt any of them would waste time/resources on spying on me playing steam games or browsing lemmy. In my opinion it's more of a future-proofing feature, and is less important to have on, in 2025 at least.