the main difference is that a VPN is a trusted 3rd party
TOR Isnt (mostly)

so if you have reason to doubt your VPN
or are doing high risk activity,
definitely use tor.

but many people are betting that the mullvads and ivpns etc are secure.

not sure what you mean about configuration problems. 

 I just don't know how to configure a VPN to be hidden from the ISP, whereas in Tor browser (not sure about Android apps) it's easy