I guess I forgot the smiley
Seriously though, If you're really worried about being tracked you should follow my advise.
The problem is that unless you live completely detached from the world, advertisers are going to be keeping track of you. It's been going on long before the Internet. Realize that and make whatever effort makes you feel comfortable.
Me.. I use adblock, I don't use loyalty cards, I do use debit cards, I'm aware of the things I can't control (search engines, Amazon, Google, everybody else who tries to plant cookies on my machine), and I go on with life.