In 2019, I used AGOL and Collector to create a survey tracks and I could add points and polygons as part of the data while still collecting the survey track.
I can't seem to get this to work at my new job.
In 2019 they pulled out tracking from ArcGIS Collector into a separate app called Tracker for ArcGIS. I believe there was a few reasons for this, including better performance / running in background.
https://www.esri.com/arcgis-blog/products/tracker/announcements/tracker-for-arcgis-v19-1-0-released/
ArcGIS Collector has also been retired on iOS and Android (don't use Windows if you can). They released ArcGIS Field Maps, which will combine the map-centric mobile applications including Explorer, Tracker and Collector.
So you need to use ArcGIS Field Maps and set up tracking for your organization.
https://www.esri.com/en-us/arcgis/products/arcgis-field-maps/overview
https://doc.arcgis.com/en/arcgis-online/administer/configure-location-tracking.htm
https://doc.arcgis.com/en/field-maps/android/help/track.htm
Last link has some additional resources to get started for using the location tracking capability in ArcGIS Field Maps.