Never really used the client before since I didn't want to make an account that would be tied to adult video games (especially this type), I believe it also asks for access that I wasn't that cool with. I guess it's kind of silly since I use chrome which is probably worse privacy-wise, so might as well just do it with a new protonmail email. as for the VPN trick, I've tried it and it didn't work, might be because I didn't use the client or torGaurd just really sucked. Currently, I use PIA for VPN.
The Mega account doesn't ask for a lot of things, and they don't check anything: name (you can be "Joe Smith", they don't care), email address (not a problem) and birth date (you can invent too). They also don't "track" what you really do with your account, but for bandwidth usage - and even for this, they don't check it properly: regarding how much I have tricked it, I should have been banned a long time ago but it never happened.
Obviously, they also don't deep-check what you download, unless your account is signaled by someone and it concerns mostly hosts and not clients.
For the VPN, it may works with the browser, but you MUST close the browser before switching - and probably clean some cookies. With the client (you still need to close it, otherwise it keeps the current limit in memory), nothing special to do, it resets itself on startup and will check only the external IP address to "enforce" the download limit, and NOT your account by itself... That's why I think they don't even monitor what you do: monitoring all these activities means that they need a server to keep the logs, and a HUGE - and expensive - one. And all this for FREE USERS? No way, if they have it, it's for paying customers or, more probably, professional customers with the collaboration tools. They only ban account who host signaled/illegal files.
I'm quite the paranoid type. Clearly, I would be more worried using Chrome, or ANY service provided by Google (including an Android smartphone), rather than using Mega who uses end-to-end encryption. If you don't want to get "caught" by playing these games, first thing is to not play them on Android, since you never know how much your phone will snitch, and to whom it snitches!

And don't use Chrome, or Google Search - which is in fact a highly overrated search engine: I never use it because it never returns the most pertinent website I asked for, but the most clicked one which often don't give the information I wanted, unlike other search engines. Chrome isn't also a so good browser: it sucks memory like a slut sucks dicks, waste bandwidth, and it snitches. Firefox has its problems, like Edge, but they are far more decent than Chrome.
Your choice, of course, but you can't at the same time use Google and say that you care about your privacy and/or your online activity not being traced... That would be illogic, Captain.