My compromise is to just to minimize big tech tracking.

I mean, 90% of data is because people use corporate social media with real names and real IPs. I don't use "social media" like everyone else, and that is just cutting away 90% of mass surveillance. I only occasionally look at reddit over VPN (without loggining in and never posting anything), I use Lemmy over Tor. Use Fennec (aka: firefox, but from F-Droid) + uBlock Origin + VPN, for everything else (like watching youtube videos)

I usually only have Fennec and Tor (amongst a few other things) through VPN, everything else is going to clearnet. My though is, if I put the entire traffic over VPN, Google would see my VPN IP attached to my device serial number.

If there is some university thing, I'd just begrudgingly use it. Use browser if possible, but if app is required, probably put it in a "work profile" (the Shelter app from F-Droid can do that) to separate it from everything else, and prevent any such app from seeing my files. Also give as few permissions as possible. And never installing any "profiles" or "certificates" they give you for access to their wifi. They should have a "guest wifi" without such requirements so just use that instead. (Or get a second phone with the "Share Wifi Connection" ability and use that as your "router" and connect your main phone to it.) Or just use mobile data if you can afford it.

For banking, put the app in the "work profile" or use browser if whatever you need to do doen't require the app.

For uber/lyft/taxi, probably use the browser, or if that doesn't work, again, put the app in work profile, don't give permissions until I'm ready to use it, and its getting deleted the moment my ride is done.

For maps, unfortunately I still have to use Google Maps, because I value being alive and not getting lost in some sketchy neighborhood over the privacy... 😓

I feel like Graphene OS is too much of a hassle for me, I'll have to get a Pixel, which does not have a microSD slot, and that's a dealbreaker for me.