You don’t have to even disable it, just turn off voice commands. You can still activate it by pushing a button. Personally Ive been using Bing chat over Google assistant for a few months now.

There’s no data in Central New Jersey where I live

I only use it when I’m on desktop. Their mobile app isn’t bad in my opinion, but I just refuse to give them my data.

I’ve been using Bing chat allot. I got the extension that lets me use it on Firefox. It’s insanely useful, and I feel like it’s getting better with time as it learns. I still use DuckDuckGo for search though, although I’ve been using search less and less as Bing chat gets better.