> Heck even Hacker News is "collecting my every keystroke!"

Not until you press return

> > But Cortana doesn’t stop there [...] you can't shut Cortana off.

> Misleading.

No, I don't think it is. You can tell her to "stop getting to know me", but you can't turn her off, because her offline services are basically rebadged offline desktop search. Cortana as the personification of search cannot be disabled, and heretofore unspecified telemetry regarding your search behavior is still sent to Microsoft. There is no way to disable or block this telemetry without third party tools.