How dose a remote vpn use a virtual ip address?

I noticed that the the virtual adapter gets a virtual IP address from the vpn gateway.

Note

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physical ip address = ip address assigned in my local network

virtual ip address = ip address assigned by the vpn gateway..

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my question is, how exactly is that virtual ip address used at a packet level? When I want to send traffic (assume no split) what exactly dose my packet look like?

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I know the dest address is going to be the vpn gateway. But what about the source is it going to use the physical ip address or the virtual ip address?

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I am assuming the physical ip address otherwise how would the router be able to get packets back the the host. but if thats the case then what is the point of the virtual ip address on the adapter?

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Thanks.

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