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IP bans are worthless since changing you IP is mostly trivial
It is possible to completely lose access to your account but it would take a lot more than just using a VPN.
Also, with a VPN, they could not ban your IP anyway, because the VPN masks your IP and replaces it with theirs.
Finally, using a VPN is not against Steams rules except under the condition that you are using it to bypass copy protection, or to buy games that are banned in your region.
From the SSA:
http://store.steampowered.com/subscriber_agreement/
Personally I would not recommend anyone using VPN at all.
It's worded that way for the legal reason of letting them include any other reason they see fit that they did not include in the original statement, not for the sheer purpose of using a VPN.
As an example of a use they would not ban for even if they were aware:
International business man travels all the time, plays games on his laptop through Steam to pass the time. If this business man set up a VPN that always had him logging in from his home country of residence instead of wherever his current hotel room is, that would be a legitimate and justifiable use of a VPN on Steam.
The stress in that statement is not VPN.. It's disquising your place of residence.by ANY means.. VPN is just the example they use... So what it is saying is that they will not tolerate someone circumventing anything in Steam by hiding their true location... or more specifically, as worded: Residency... It is not restricting the use of VPNs in general.
Another legit use of a VPN they wouldn't mind is if you are just using one for security reasons but the VPN gateway you are using is near and in the same region as you actually live.
Do they ban accounts with their IPs or just the accounts?
Besides, some people even share the same WAN IP.
Exactly why I would not recommend anyone to use a VPN, no matter what the purpose would be, they did tell you it is against their rules (SSA)
From the SSA:
http://store.steampowered.com/subscriber_agreement/
"or for any other purpose" is enought to not use VPN at all imho, better safe than sorry.
I read them, However sometimes you may have to get the same piece of information from different people to make sure it's accurate and satisfactory
Sorry if I made you feel that way