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I'm not sure what may have changed since I got out but I simply left all the billing information as my home billing information instead of bothering with APO.
The answer is in the Steam FAQ: https://help.steampowered.com/en/faqs/view/2B3F-DAEF-846B-A0E8
Sidenote, it's always best, when dealing with account information, not to necro really old threads since the information might've changed - it's better to just create a new thread.
Edit: Obviously, don't do the VPN thing, that's just asking for trouble.