> In either case I still bought my slacks from the clothing store, my pint from the tavern, and slept soundly in my bed. You object to the company having your information, I object to it being used to impact my life. I don't give a damn about them just having it.
>And thus my question, how does this affect my life?
For the store metaphor, consider Amazon instead of Google. Amazon tracked sale data from its vendors then used that data to generate its own product line, competing (or outright replacing) the original vendors. You might look at this as a neutral "how does this affect me?" matter, but this puts the multitudes of other vendors/manufacturers out of business, and your own employer might be among their numbers one day. Even if not, the fact that it's harming so many others, and that you happen to not be in that group, doesn't mean Amazon's data collection doesn't do harm, or that you couldn't be taking steps to prevent that harm.
In the case of google, the harm isn't as clear cut as in Amazon's case, and it isn't quite as direct or imminent. Whereas Amazon's data is very concentrated (purchasing and retail browsing habits), Google's data is broad and allows for tracking almost every aspect of a person's life: location throughout the day, personal conversations, browsing habits, purchasing, plans of all sorts.
Their having this data on its own isn't harmful, but as others have noted, it represents harm in the sense of what how it _could_ be used if applied maliciously. This includes government actions, data leaks/hacks, Google abusing the data, etc. The potential consequences of each of those can be explored with tremendous depth in their own right, but that's not important for this conversation. What's important is that it allows for harm, even if the chance for that harm seems low, whether on a global level (it impact everyone) or on a local level (it has impact on individual people).
There's also the consideration that some services you use may be impacting other's privacy as well. You might not be concerned about Google reading your emails, but your email partners might be more averse to this tracking. If they are to exchange an email with you, they have no choice but expose that conversation to Google.
Consider what's going on in Belarus. They shut down the internet, but what if instead the government started demanding data from Google or Facebook to identify and track down members of the opposition? I think we all understand that such events as Belarus aren't a daily occurrence, but with persistent data stores, the opportunity for harm only needs to occur once.