I can maybe see Cortana on a phone but not my PC. I don't use it. I have disabled all those data sharing features except location. I like to punch in Home Depot to look up an item and see if the store down the street has it in stock.
It should be noted that W10 has a custom install option where you can easily opt out of pretty much all those things from the start. My guess is, the people complaining haphazardly pick the default or "express" installation option when installing software. That is always good if you want to share your data or install all sorts of unneeded software, toolbars, auto-updaters, adware and spyware on your computer. :r1: