I'm gonna just cut thru the larger spiel I would normally give.
No, it is not wrong. You paid for it in the sense of reasonable expectations of ownership. That means being able to watch it in as convenient a method as if you'd bought the VHS back in the day. While this may not line up with legal definitions of licenses, fuck them. Replace "file" or "stream" with "tape" and it becomes crystal clear.
Do you own the movie? Or does the studio own you?
Therein lies the answer.
You've paid your fee, I see nothing morally questionable in what you are doing.
I'm with you on this one, you've bought it, you should be allowed to do as you please with it.
yeah go for it! Do what you want. You already gave them money.
In the US: you are legally allowed to have a backup copy of any media you have (digital -> physical, physical -> digital, or any other match up). Since you own the physical copy of these movies, this means you're allowed to have the digital one as a backup.
Your physical disks are encrypted, and breaking said encryption to make a copy is technically illegal. Downloading the files from somewhere is not illegal, but sharing them is.
With all that said, if you own the disk, and either download or torrent without seeding, you're well within your rights legally.
Your other option is to use Handbrake or another disk ripping software, along with dvdcss or aacs and rip your disks yourself.
According to their ToS:
You are granted a non-exclusive, non-transferable, limited right and license to access and use the Content solely for your private non-commercial viewing.
You must not transfer, copy or display Content except as permitted in this Vudu Policy.
They basically don't allow you to download any movie to watch them outside their app. You are not actually "purchasing" the movies, you simply "purchasing" access to watch those movies on Vudu.
As for morality of downloading movies you already "purchased", consider this quote I came across a little while ago: "Is piracy really stealing if paying isn't owning?"
The real crime is paying for content to begin with /s
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