Hi Gabe-G,
Microsoft has now disabled virtually all privacy settings in W10 now and you would have to actively switch them on, there are many and you get to choose what you want to allow!.
Ummmm, that is incorrect. Yes, the ones that are controllable through the privacy settings. The telemetry itself has and still does run in the background. Cortana phones home regardless of what your privacy settings are. There are 3rd party programs, that I won't mention, that will disable telemetry.
Gabe-G, for most everything you do, Windows 7 is still fine (of course until support ends in 2020). If you game, Windows 10 for the most part, is a better option. Most older games run fine, and newer ones take advantage of DirectX 12, and Windows 10's better use of resources. And some of the newest games require Windows 10.