Based on what I understand you to be asking, I would say that most people make a differentiation between consumer choice and prefigurative politics, though there is perhaps some overlap. Choosing to limit one's entanglement with capitalism is sort of about making do in the here and now, whereas at least as I would use the term prefigurative politics might be more like building in ways that is "building a new world in the shell of the old."
Here might be the differences as I see them:
Lifestyle/consumer choices:
- gardening
- shoplifiting from home depot
- dumpsterdiving food
- shared living situations
- squatting as an individual or group of friends
- shopping at a worker's collective
Prefigurative politics:
- urban community farm that supplies the neighborhood with fresh food
- creating a community tool bank
- Food Not Bombs or grocery distribution programs
- creating intentional communal living situations
- squatted social centers/ cracking squats for refugee housing
- starting a worker run collective that is part of a network of others who share and exchange between them.
Does this sort of clarify how I would think of the difference? I can provide some more concrete examples of some of these in comments if that seems helpful.