Yeah I always hate how companies push you into making a (bad) choice by putting it into a dilemma. There are more possibilities than this.

Happy that you could give her a home!

No issues with banking apps in the Netherlands, Android Auto works!

I’ve been using Surfshark for over 8 years and don’t have any trouble like you mentioned. Then again, I have an ISP (Freedom Internet) I trust more than my VPN (even though i’ve not read anything bad about them) and use Surfshark only for region checks and torrenting on my NAS. I love the apps (for great on all platforms), speed and lots of exit points to choose from.