Yes, you are right. But I rarely using google applications on my laptop and I do not use apple at all. If Google or Mircosoft (BING) uses KI for searching or creating maps in their cloud, it is o.k for me, but not on my laptop. If chrome uses local KI, I will delete it! But for serious browsing I use Brave.
I fear some day having KI **** on a new android smartphone via google. I'm currently kick all not absolute necessary apps from my smartphone, no banking, no id cart, no paypal, no DHL, using only telephone, internet, mail, railway ticket.
I canceled one bank account because of forcing usage fingerprint. No fingerprint stored on the smartphone. I do not trust google and some day the NSA has my fingerprint.
But no KI on my laptop.