>If you think your traffic is not being monitored over Tor, then you have thought incorrectly.
Tor exit nodes can only monitor traffic for a very short period of time, you create a new circuit and pick an entirely new path through the network very often.
>This does not happen by default, meaning all of your traffic is mixed together. It doesn't matter that it migrates routes every so often.
Absolutely true, a solution to this is to use Whonix or Tails which automatically stream isolates all pre-installed programs, therefore correlation by circuit sharing is impossible. Unfortunately that does not work on a phone, but in the end, using Tor for this is no worse than a VPN.
>Exit nodes don't know where the traffic is coming from, until, of course, you accidentally access your personal domain name over HTTPS
This seems like a straw man. There's not many options to Tor. A VPN will know where you're coming from by default.