Your second points not withstanding, don't be too smug about much of your first.
Location tracking works with any cell phone that connects to towers, IOW, any cell phone. Actual GPS might be even more exact, but simple triangulation of cell towers is close enough for the concerns expressed in this article.
And you may not use the loyalty programs (I don't either) but I bet you do use your credit/debit card (I do) You know, the one with your name on it... IOW, the store gets the same info with only the minor bother of matching the name to the record of sale. Now, true they don't automatically have your address from that like they might with a loyalty card, but that's usually a computer key away to people that actually use this stuff.
And you're correct about toll roads, but with OnStar and the aforementioned cell phone data, that too is becoming an academic point.