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Garmin appears to keep everything within the Garmin walled garden, and not share it with everyone else in the room (unless you ask them too).
So far this is my conclusion too.
Their strategy has led them to create their own universe, and so long as they don't get into the business of selling this data to insurers, etc... they've gone and created the most private health / activity monitoring app.
It's possible to configure Garmin to share nothing publicly but still to use their cloud.
It's also possible to configure Garmin to save local activity files and not even upload it to their cloud (but this does render their app useless too).
Velocio
Garmin appears to keep everything within the Garmin walled garden, and not share it with everyone else in the room (unless you ask them too).
Truly private means hosting it yourself. Or just storing it locally.
Otherwise, you need to pick one provide and trust that they won't sell you out.
Or sell themselves, and your data.