The frustrating thing is that there's no clear way to know exactly how much you're exposing yourself with this. Even the article (and related links) don't spell it out adequately (IMO).
For example, I just purchased a new(ish) 2022 Nissan. I don't have the Nissan app on my phone and I don't subscribe to any of their connectivity services. Is my data staying in the car or is it finding some conduit back to Nissan? Is connecting my phone to the console for music and maps opening me up to Nissan's data collection? Is using bluetooth for music and hand-free calls exposing my data? Is there any way to know the specific avenues for data collection that present a risk and how can they be mitigated?
According to their Nissan page, your car seems to not be phoning home if you haven't opted in. I don't know if that applies to data they gather when you bought the car, and if you bring it in for service.