Some people like to tunnel everything due to privacy concerns. I would argue that if speed is any concern you don’t want to default to tunneling all your traffic so include would make the most sense for most people.

For a sec I thought this was going in another direction and remembered middle school kids telling each other to go to “pen island” .com

Short answer: yes

Though anything else I could not say better than this guide: https://opnsense.org/get-started/

How hard is a modchip to install? I am shit at microsoldering

If only he were capable of being so consistent. He thinks what people pay him to think.