Not to single out your post, because the sentiment seems quite common, but your post is the first I see it directly asserting that what the NSA is doing is legal because it was passed via democratic process, which is not technically true.
There are reams of paper that could be easily filled by 'laws' that were passed in a 'lawful' fashion, but that were contradictory to the Constitution of the United States, thereby making their effect a nullity at best. The Constitution is there to uphold the rights of the citizenry, but also to empower the government to uphold the law, while at the same time restraining the government such that it cannot violate the citizens' rights in doing so. See recently, Prop 8, DOMA, et al.
American Jurisprudence[1] tells us that laws in violation of the Constitution are not laws at all, and further, that no one is obligated to obey them, nor are any courts obligated to uphold them just because they were otherwise lawfully passed.
The assertion here is that the collection of private data by our government is in violation of said Constitution, and the legality of that law will likely hinge on the Supreme Court's decision on whether or not that data is indeed private or not. Thus far, we know that at least parts of the program in play have been deemed unconstitutional, and it seems that the NSA is performing them anyway. But as the government is empowered to govern through the consent of the governed, how can we have consented to a program we know nothing about? If its only discussion is done in secret?
In that regard, if we assume good faith on all parties, then we can say that at the very least, somebody needed to bring it to the attention of the public, and that person could also reasonably concede that the government in violation would have no subsequent authority to imprison or punish them, except falsely - for which I can't see even the most ardent civilly disobedient person willing to subject themselves to.
In summary though, I agree that civil disobedience is a term faultily applied here, but for perhaps the polar opposite of your reasoning.
[1] - http://constitution.org/uslaw/16amjur2nd.htm