Stop asking and just torrent it already.

You paid for your license, you're unable to play the game without a valid one (the account and password) so you can't get in trouble for it. Unlike downloading Roms or Pirating software, you are literally downloading a backup and I don't think anyone has gotten in trouble for downloading an MMORPG because they lost the disk. Simply because the software is useless without a valid account, which you are paying for.

By not torrenting the file you are unable to play the game you are paying a monthly fee for. (Never mind you are in the free trial stage right now).