For me, I just bear in mind that the internet is public space. Virtual public space, but still public. Even if I'm sitting in my den at home in pajamas, I don't put anything there that I wouldn't put out in public.
It also sometimes amazes me that people get upset over some of this stuff. They can be very guarded about putting their home address online, yet for decades 99% of us were all listed in the phone book for anyone to look up at will.
Yup. My mother was an elementary school technology teacher when the internet and email were just becoming a thing. She told the kids all the time not to believe everything they read, to be skeptical of who wanted to know what and why, and to not send something in an email that their grandma would be embarrassed to see on the evening news. These are still reasonable guidelines (which probably none of us follow).
Your second point is excellent. We're all paranoid about 'the guvmint' tapping our phones or whatnot (and I realize that the threat or perceived threat 'the guvmint' presents to each of us Americans does have a lot to do with our political leanings and who holds the power at the time, so there's no need to get specific here), yet we have smart TVs and hackable baby monitors and Alexa and her cohort who are listening devices that we have paid for and put in our own homes. Do these things pose a threat? I don't know. Could they? Likely. And while I've heard the arguments of 'But I'm not doing anything I'm ashamed of,' and 'Who would care about what I do or say?', I find a whole lot of dissonance between being upset about what 'the guvmint' can or might do (or is doing), when we have invited massive privacy invasions ourselves. We won't have widespread security cameras in public spaces because right-to-privacy and civil liberties groups (on many sides) squawk, and 'muricans won't stand for that. Yet we use the internet indiscriminately, and there's a little camera staring at us all the time.
I tried FB a few years ago, just to see what all the fuss was about. I didn't 'get it.' Why would I care what my coworkers had for dinner, or what movie my aunt went to see, or any of that? And why would anyone care what I ate for dinner? To me, it was meaningless clutter. It took less than a year to delete my account, and even that long ago, truly really for sure deleting it took a whole lot of effort and a very specific procedure. Shortly after, FB changed their privacy and account rules so that you truly *can't* absolutely delete anymore.
Still, it lurks. Occasionally I'll click on a link that somebody sends me, and although it doesn't go to a FB page or post, it somehow goes *through* FB to get there. 'fb' will show up briefly in the URL, then it'll change to wherever I'm really going. I am not amused.