Depending on your situation, most of your issues can be avoided by not owning a smartphone. It’s extreme (by today’s standards, at least), but it does work. I ditched my smartphone back in 2017 for a cheap flip phone. I can find spare parts on eBay easily. My car is older, so there is no SaaS crap in it. If I need to keep in touch with someone, we can use SMS, call each other or meet in real life. I use a Linux laptop for banking/browsing the web and I keep a physical GPS in my car in case of emergency.
and I agree with you. Privacy is pretty much gone already.