There’s also the classic phase where it’s technically opt-out, but it magically gets reset to default every time Windows updates.

There's a phase in between where it's reset every time you leave the settings menu and can't see them resetting it (I forget which privacy policy it was anymore, but that was the straw that kicked me over to Linux for good).

And in this particular instance it did not even start with opt-in. They went straight to on by default!