Exactly, gov't access isn't nearly the main problem as a lot of our lives are controlled by private corporations. Besides, the gov't can buy access to this data from data broker firms.

Tracking your driving habits is a privacy violation but not the biggest issue with Chinese cars. The Chinese government has unrestricted access to collected data AND they can compel manufactures to collect specific kinds of data. That turns Chinese cars into a fleet or war drivers.

With thousands of vehicles recording every WiFi point and bluetooth device that passes in range you can track other devices and other vehicles that are not of Chinese origin. For example, a politician or members of that politician's entourage could have their phone's wifi and bt mac identified at a public event by a Chinese agent. From that point on they can be tracked anytime they pass within a hundred meters of a Chinese car. Even if the VIP is practicing good opsec their entourage may have a personal device that is identifiable. This would let the Chinese government get a heads up on meetings with businesses or other heads of state about which they would not have otherwise known.

And this is the most trivial example, it would require so little data transmission from each car that it could be hidden in regular diagnostic and update communications.

National Intelligence Law of the People's Republic of China (2017)

Aritcle 7: "All organizations and citizens shall support, assist, and cooperate with national intelligence efforts in accordance with law, and shall protect national intelligence work secrets they are aware of."

Article 10: "As necessary for their work, national intelligence work institutions are to use the necessary means, tactics, and channels to carry out intelligence efforts, domestically and abroad."

The Chinese gov can tell it's auto manufactures to collect any data and they will. Non-compliance means being removed from your position of power are replaced with a more responsible figure.