I'm afraid you are kidding yourself if you think changing those settings does anything at all to protect your privacy.

Have a look at the other articles I linked to in my post which you quoted. Even with all these settings turned off, even with telemetry, Cortana, monitoring, diagnostics, etc., turned off in services.msc and in gpedit.msc, even after installing third party tools designed to block these features, Windows 10 still monitors what you do and sends it back to Microsoft thousands of times a day. Sure, if you turn off "Typing Personalization", then your predictive suggestions might not be as relevant, but Windows will still be recording and sending back your keystrokes. They are still using your data, just not in a way you can see.

It's like when you turn off Location History in Google. Google still have a complete record of your entire location history, it's just that you can't see it anymore. It's an illusion of privacy, nothing more.