I feel like this whole VPN with or without TOR argument is dumb. You just need to understand what both offer and make your decision based on understanding the difference.
TOR without VPN - Your ISP can see that you are connecting to TOR.
TOR with VPN - Your ISP CANNOT see that you are connecting to TOR.
That’s really the main benefit. TOR already provides enough anonymity and IP obfuscation from a technical standpoint. You don’t need to add a VPN on top of it. If you wanna hide it from your ISP for some reason, then it’s an option. So just understand what’s actually happening and ask what’s the best fit for you.