I use a server with low latency when I’m just browsing the internet, watching YT videos, or playing a multiplayer game. When torrenting, I switch to a server with good bandwidth. Fortunately, I just recently started using a VPN that lets you sort servers by latency vs bandwidth, so I can easily switch back and forth depending on what I happen to be doing at the time.
In most cases I don’t even need to do this though, since it’s usually pretty easy to find a server that has both low latency and good bandwidth.