Unfortunately it depends on the individual, so no one can really answer your question but yourself. For me, I draw the line when it personally becomes burdensome to maintain something. For example, I use Bitwarden to manage all my passwords, but I don’t trust myself enough to host and maintain a server and keep it online/secure, so I use their hosted service. I use google drive to store some miscellaneous stuff because of the free 15GB storage, but I don’t store any private files (personal photos, documents, etc.). I use ProtonDrive for more important stuff, and for very confidential files, I encrypt them first. I use google maps for navigation because of reliability and accuracy, but I use a separate google account for it. I know that doesn’t do much, but it keeps some level of separation for me personally. I still maintain a facebook account (although I barely use it) because of family, but I still use a facebook container on firefox and don’t use the mobile app. That plus all the privacy extensions.

The main thing is that it doesn’t have to be black or white. You don’t have to go full hermit, and at the same time you don’t need to fully embed yourself into the google ecosystem. Just do what you can and what you are comfortable with. As they say, don’t let perfect be the enemy of good.