While I do agree with you, there’s are a lot of things to still get good ratios OP can do with their home server, that’s why I mentioned the other stuff.
I use autobrr and have a midsize collection with maximum quality settings in Radarr and Sonarr through Recyclarr. Almost all my torrents have +1 ratio, and my upload speed is 54 Mbps (around 6 or 7 MB/s).