The creepiness concern is real, but I think people misplace where the actual surveillance happens. The most consequential stores of personal data aren’t ad networks they’re things like banks, hospitals, insurers, and telecoms. These institutions hold information about your health, finances, movements, and relationships, indexed and searchable by employees you’ve never met, governed by policies you’ve never read.
Realistically, there’s very little an individual can do to completely opt out.
My take is: if the main outcomes are that I get shown ads for things I don’t need and my facecomputer knows the difference between a fork and a spoon… I… I can live with that.