Well, even those systems you are using does requires you to agree some sort of license or terms of use, implied one or stated one.Just to be clear, this has nothing to do with Apple vs Microsoft vs Google.
It's the fact that the general public is unaware of what is happening and is blindly allowing companies and governments to grab more ground than ever before and normalize invasions of privacy. Defaults are accepted by 99% of users. Microsoft knows this very well. The defaults are absolutely unacceptable. Whether the objectionable stuff can be disabled or not is inconsequential. I'm not content with fixing just my system so that I'm happy while people like my mother are totally unaware of what is going on behind their backs to their data.
This is not comparable to online tracking in any way. If I don't want to use Google, I can use something else. If I don't like Facebook, I can choose not to use it. If I don't like tracking cookies, I can block them. But if I want to use Windows 10 at all, I have to allow Microsoft free reign to my machine to access whenever they want--that's literally what the privacy policy says. The general public is usually aware that there is tracking online, but the idea of stuff you do on your own computer being observed, sent to Microsoft, analyzed, and sold is not something most people are aware of.
Most people don't have the capacity to make an informed decision about this and Microsoft knows that. The exploitation of ignorance is distasteful at best and utterly reprehensible at worst. I consider it a responsibility for people who understand this stuff to inform the people who don't about what is actually happening. If they still want to proceed, that's perfectly fine. We make tradeoffs all the time. It should at least be an informed one.
I put my money where my mouth is. I don't use OS X or Windows because I do not accept the privacy policies. I don't use Ubuntu out of principle because they are doing objectionable things that harm privacy. My Android phone is rooted and running a custom ROM with as much stuff removed as possible to curb tracking. I block scripts and cookies in my browser and only use cloud storage for data I encrypt locally first. I don't use a consumer off the shelf router because I have no control over it. I'm not telling you that you should do any of these things; use whatever you want. I'm not a brand evangelist. But for me personally, I'm going to have no part in normalizing this behavior from companies and I am not going to click accept on an entirely unacceptable privacy policy.
There would be a possible way to better protect privacy: completely leave internet.