Thanks so much for taking the time to detail that. I realize now why i did not see that toggle. I had uninstalled Waze and then just installed it back and while I opened it I had not used it to travel yet. Once I set a destination it asked if I would allow it to access Motion and Fitness and once I said yes, it then showed the toggle.
I notice in Health and Fitness in iPhone Settings -> Privacy - Motion & Fitness - I have 4 toggles - 1 to turn Fitness Tracking totally off - then Health, Google Maps and Waze - for now I just turned all fitness tracking off and will keep it like that for a few days to see if the freezing stays away.
Thanks for your help!