Most sites require you to not go below a certain threshold or you will be banned or suspended. They usually give you a bonus to start (say 50gb) but if you go below 25%, that's it until you get the ratio up again.
Stay away from major Hollywood films, some studios have gone after downloaders for downloading those films.
Should be okay with downloading files since they tend to be .avi's or mpeg's but be careful with the site you get the torrent from. Use a good virus checker and a good utility to check for malware.
Biggest problem is trying to get an invitation to join a site. Most, and I hate to use the term legitimate, requires you to sign in and getting an invitation to join can be difficult.
You also may not find adult movies that are not on here but you can certainly find everything else out there.
So, take precautions but you should have fun finding things that you never thought you would find.
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