> But your search terms are right there naked in the URL even though it is https secured
You are correct that the terms are in the URL, however only the browser and endpoint can see them. All your ISP sees is that you accessed example.com, and not example.com/search-terms-here. The TLS handshake is for the domain only, then encryption kicks in, then everything after is encrypted.
Your ISP cannot see what you are searching for, they can only see which sites you use for search.