1. You need to set up NAS and downloading software - that is not as trivial or common as HN audience assumes :)
2. You need a reliable and safe source of torrents. They may be paid or invite only, or may be super scammy and unrealiable and mine crypto etc etc
3. How safe do you feel in your jurisdiction/location at running plain torrents. Here you get notices and sometimes strikes / actions pretty quickly, so now we are talking at least a VPN, which is next layer of setup, configuration, possibly price, possibly its own threat vector as commercial VPNs are scammy, your own VPN is non-trivial to setup correctly.
etc etc etc :)
Agree with 2 though.
If you want to go down this route (and you use *arr) prowlarr is a must have to avoid wasting time copying configs between the *arr.