Load balancing two WANs over preferably single vpn instance

Hy, I hope you all are well. Getting straight to the point here.

Clients 20Mbps Tx > VPN > WAN1 (10 Mbps Max Tx/Rx) + (WAN2 10Mbps Max Tx/Rx)

For the time being, I have two VPN options. Ipvanish's openvpn and cloudflares's warp+ via wireguard.
However I would prefer to use cloudflare with this.

You need to do Policy Based Routing and you have 3 options:

  1. mwan3 package
  2. pbr package
  3. a set of rules/routes for each internet connection.

Can you outline the steps for doing it with mwan3?