I spend 8 hours a day on Sequoia and I haven't seen any adverts in any native app?
https://discussions.apple.com/thread/251488227
https://discussions.apple.com/thread/250786208
https://discussions.apple.com/thread/254431520
Having talked to Apple Support, there is no way to disable the pop-up permanently due to Apple's Promotional Policy.
There are certainly ads for Apple services if you don't already use them (or in the case of Apple Music, sometimes even if you do use it because the app is pretty bad), and there are sponsored ads in the App Store now.
I wouldn't say it's in any way equivalent to Windows 11, but it does feel like Apple is following a similar path as Microsoft, just with a little more Apple design on top.