After buying my first new Apple Silicon Machine (Studio), this was driving me nuts. I shut off Siri, did all of the settings in Mail, Messages, etc. But the prompt in Mail was still there. However, I found this, and I think it's working.
All I did was change my language (I'm in the US) to Arabic. That seemed to blow it up and shut it down. Siri is now not working. On some settings pages it now says "The organization managing this Mac has disabled Siri."
Hopefully this works for you. I just figured this out, haven't rebooted or given the system time to download more files. I don't know if it will be permanent or not, but for now I'm happy.
I also noticed while trying to figure this out ... when Siri is "working" but off (ie, the language matches and it's not blown up), there is an App Access option under the Settings Siri page. Every app appears to be given access by default. When you shut off the "Show Siri Suggestions in application" under Mail/Suggestions from Mail.app, it does NOT kill the offer to summarize in the app, but the language change did.
Good Luck