A normal car in 2022 will not constantly surveil you. No critical functionality is tied to an online account in any non-Tesla mass-produced car that I am aware of.
On the surveillance point, I worked for an auto software company that partnered with a big auto manufacturer on a feature. We were granted access to an API that could geolocate any vehicle made by this company in real-time given its VIN. I volunteered my car's VIN to test with (I drove the same make as the company we partnered with) and confirmed that the API returned real-time location data on my 2019 vehicle. If you own a car that was built in the last 10 years, you are more than likely emitting your location to an internal service maintained by the manufacturer.
https://www.toyota.com/privacyvts/
You do have the ability to opt-out, but it's not usually a simple process.
To put it more bluntly, my eyeballs are watched by AI to make sure I pay attention enough to deserve the full use of my vehicle.. it's beyond punitive, it requires my positive behavior.
ALSO bonus, if I did something with my vehicle that resulted in losing my account, I would also lose access to my home electricity system.