While I hate the advertisers, they do have a point. Apple’s tracking setting is buried elsewhere and sometimes it can’t be turned off.
Apple’s “Personalized Recommendations” toggle is buried in Apple ID settings > Media & Purchases > View Account
(Edit to add: There's also another toggle under Privacy & Security > Apple Advertising, but not sure if it's the same as above.)
Weather, fitness, stocks, and Books now all have tracking identifiers that can’t be turned off.
(Edit to add🙂 Telemetry/Analytics are under Privacy & Security > Analytics & Improvements