My experience with Windows 10 was me turning off the "Bing" features, and then one day turning on my computer and discovering that overnight with an automatic update Microsoft had turned them back on and everything I typed into the Start search was being forwarded to a network service. This happened more than once.
It's not going to be enough to turn this technology off. Based on how they acted with Windows 10, you have to assume if you turn it off Microsoft will turn it back on without telling you. Similarly, i's not helpful if they claim some of this data is kept local; based on how they acted with Windows 10, you have to assume Microsoft will silently turn a local query into a network query without telling you.
Think about how union-busting businesses will use this technology. Think about how schools, for example directed by trans-hating politicians, will use this technology. Think about how domestic abusers will use this technology. Think about how parents (but I repeat myself) will use this technology.
The only way, the only way, to prevent data from being leaked, misused, accessed by the wrong people etc is to not collect the data in the first place. Once Microsoft has collected the data their looming "AI" updates threaten, it will get stolen and it will get misused. And once Microsoft has normalized pervasive snooping on users, the generation of stalkerware products that come after it will be worse than we can currently imagine.