>Do you feel like systemd has been collecting your PII since 2020?

I don't know, I use Open BSD.

https://man.openbsd.org/passwd.5

  The gecos field normally contains comma separated subfields as follows:

    name    User's full name.
    office  User's office location.
    wphone  User's work phone number.
    hphone  User's home phone number.

Maybe one day you'll switch to a freedom respecting OS.