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Is Linux safe to write and save stories on?
(lemmy.ca)
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It's a fairly safe bet using either Windows or MacOS that they're collecting a not insignificant amount of data.
Absolutely, M$ with their forced OneDrive integration with everything, collect much more even using just 365 on say MacOS or android/iOS. Other alternative products do the same, especially if they're "free".
All this said....unless OP is writing battle plans or something that an alphabet organisation is taking an interest in, I think surveilled is probably the wrong word. Data collection is pretty wide spread, and you'd have to be doing something out of the norm to be actively under surveillance. Unless you live in, or send your data through, American owned servers. Well known for a while now that the NSA collects everything they can so it's on hand should they need it. Still wouldn't really call that surveillance though.