No one is going to sue you for copying their TOS. And why waste even $20 on something when you know you can get better ones for free? At best, you are out $20

No one is going to sue you for copying their TOS. And why waste even $20 on something when you know you can get better ones for free? At best, you are out $20; at worst, you copy something from the doc that is really bad but you just don't realize it until it comes back to bite you down the line.