It depends on what you're doing with your internet. Someone viewing a Plex movie outside the house for example. If you look at the chart in this link (
View: https://www.reddit.com/r/PleX/comments/hdc6pk/how_can_i_stop_plex_using_high_bandwidth_for_a/
) you can see it spiking to max upload bandwidth when streaming. It's technically not saturating the internet when you take an average speed over several seconds, but these spikes cause buffer bloat because it's saturated momentarily in intervals which can cause lag for someone gaming. So even when you set plex to say 4mbps and you have 12mbps upload. It still does this behavior and spikes to 12mbps in intervals. Even when you set the normal QOS to set plex traffic to the lowest priority and set your gaming computer to the highest priority, you still get lag with simple QOS systems. I know from experience and which is what led me to using FQ_Codel to solve the issue. It really does work, but is a cpu intensive algorithm.
I don't think FQ_Codel will help in the OP's situation. The bufferbloat can be on the VPN server side. Are you actually getting lower latency with a gaming VPN? I tried it once and didn't see any lower latency using a VPN. I guess it all depends on how many connections it takes to get to the gaming server.