None of the things you described have to be connected to the car (which is to say, the engine, wheels, and parts that prevent it from going into a ditch). The infotainment system is not "the car", lojack is not "the car" GPS, spotify, smart insurance: not the car. There's nothing requiring those things to interface with the car, even if they are housed in the car.

My cell phone can do most of those things in my current car, and also has 0 ability to steer me off a cliff.