One of the first things I do when setting up any Windows system is to go through Privacy settings throwing a huge number of toggles to "off." Regardless of what they say about the "advertising ID" one resulting not in fewer ads but in non-customized ones, I see far, far fewer (if any) ads on systems where that has been turned off, particularly if done during the install process itself.
When I hear about people getting ads in Windows 10 (and now 11) I often wish I could say exactly why they do, and I don't.