There seems to be a sub-group of salty dogs that sail without protection. They are often US saying they get lots of letters from ISP but nothing comes of it, lately. I'm one to hedge on the side of caution and will be continuing to use VPN but just wondering how much this is just a loud minority and how much truth is to it?
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Plenty of people have unprotected sex. That doesn't stop a portion from getting AIDs. I can give you plenty of stories of people downloading a hot (monitored) torrent and then paying thousands of dollars in legal fees after ignoring the notice.
Get a VPN, or a Debrid service if you are strapped for cash. Why roll the dice when you don't have to?