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You're not alone: This email from Google's Gemini team is concerning
(www.androidauthority.com)
This is a most excellent place for technology news and articles.
I do have it disabled, but this article suggests that it will ignore that and it will be integrated in apps that I really really don't want it in. I could stomach it if it was search and other functionality like that only, or even if it 100% ran local with no ability to phone home and train on my data, but it doesn't. Not that it can be listening to calls, reading messages, etc, I'm definitely hard out.
I've seen an article that describes opting out of the app integration as well (even though that by default it'll be on. There should be a class action against Google doing that! That said, I can't see Europe taking this as it is.)