swiftykey (now owned by MSFT) is terrible as it is constantly trying to call back to microsoft services, even with all "personalization" disabled. I've got my phone locked down with multiple "blocks" I can see it constantly trying to phone home.

It's behavior is no different from Windows 10 telemetry. The keyboard does not even work if you disable one of the underlying telemetry services in the app (if you have a rooted device).