The 5 year is the real kicker. Over the next 5 years I find it doubtful that they won't keep modifying their TOS and presenting that opt out 'option' so that all it will take is one accidental click and they have all your data from the start. Also, what is to stop them from removing the opt out? Nothing says they have to give that option. 4 years and 364 days from now TOS change with no opt out and a retention increase to 10 years. By then the privacy decline will have already have been so huge nobody will even notice that this 'option' was never even real.