The clearest example of extensive off-starship monitoring (within the Federation) that I can think of in TNG is a civilian (though, to be fair, a civilian in a role analogous to a "defense contractor"), Dr. Leah Brahms.

> I'd argue enough episodes are strong on fundamental individual rights, that it's hard to imagine Federation life for civilians being a surveillance state.

Actually, I'd say that its quite plausible that the Federation is a "benevolent surveillance state", that is, one with pervasive monitoring but a very low incidence of "serious" abuse (that is, the kind that substantially limits practical liberty -- casual intrusions on privacy may be more common.)

While the Federation seems keen on "fundamental individual rights", it doesn't seem to exactly mirror, say, some modern views on what those rights are -- and not just in terms of privacy.

And arguably, if she was working at Utopia Planitia Fleet Yards on the Galaxy class project, she presumably worked on a Starfleet orbital facility (technically, a number of facilities) over a span of years, where certainly enough data would be collected to make a poor replica of her personality, as in the show. I don't see anything suggesting specifically outside of basic biographical data, that she was being monitored in her civilian life.

La Forge, having interacted with that hologram extensively, and having surely read Starfleet's records... apparently didn't know she was married.