Also, in macOS Catalina (I don't remember if this was the case in prior versions), applications are not permitted by default to use the mic or camera and have to request permission.
These are perhaps not as good as a hardware disconnect, but I think Apple is trying to balance privacy and usability here. It is clear from what Apple is doing in hardware and software that they do care about privacy. Linux and AFAIK Windows do not provide that level of privacy, since applications have unfettered access to Cameras and Mics.
(Of course, a part of the Linux community is trying to improve this through Pipewire, Flatpak, and portals.)
I've never heard anyone use Siri on their Mac. I'm surprised they still bother supporting it.
That reminds me: I knew some people who had been using Macs for years who did not really know that Spotlight existed, let alone that you could use Command + space to start a Spotlight search. They would launch applications through the Finder and put regularly-used applications in the Dock.
I'd use it to set timers, too (by far the most frequent thing I use Siri for on iPhone) but annoyingly that doesn't work from the Mac.
Then they started false triggering about every ten minutes. "Hey Siri, decrease sensitivity" does nothing. "Hey Siri, set a timer": "nope your $4k computer can't count time."
Turned it off. Sorry.
If you do not give an application permission to access the camera, then vulnerabilities in those applications do not lead to camera access.
(Unfortunately though, Safari is not controlled through this permission system, probably because it was provided through the OS. Permissions can be controlled for other browsers. IMO this should be fixed by Apple.)