So literally just now I opened the Google photos app and it came up with a nag screen to turn on auto-backup which I had already explicitly turned off. The message was worded to make it sound like they were doing me a favour and it was difficult to close the banner (I just exited the app because what I needed to do was possible with a less invasive version).

I would not go so far as GP as to say that this dark pattern is better or worse than what Microsoft is doing, but I think it is a fair point that a Google/Microsoft account is needed on the biggest mobile/desktop platforms respectively and their attitude to privacy and user agency is somewhere between laissez-faire and contemptuous.

With Android there does at least feel like with F-Droid, different OEMs, alternative apps, the web and even Other android spins that these aren't quite the lockdown that Windows is, although it's fair to say that in either case you shouldn't really be constantly on your guard for the next way that your operating system is going to try to trick you into giving away more of your stuff to them.