Full Google apps access to location needed for maps with GPS?
That strongly depends on the app used. Unfortunately, since Froyo (Android 2.2) the options "use location service" and "permit Google to collect" are connected and undividable (before you could chose them separately). So if an app uses the Google Framework's location service to obtain position data, it won't work without that service enabled. If it accesses GPS itself, it would work with or without.

Only way out of this trouble would be to root the device, and then use a permission protector like e.g. LBE Privacy Guard or PDroid Privacy Protection / PDroid Manager, which let you decide on a per-app basis which app is permitted to access a service/certain data (many possibilities here, not only location).