For me personally, the ads are too high a cost for me to pay. When my ad-free way of watching breaks and I get an ad, I simply close the tab. I find ads really annoying these days, and I pay to avoid them where I find the price fair, otherwise I don't use the thing.
This is what I appreciate about paywalls, subscription modals, etc: there's a clear definition of the "deal", and I can just nope out. "Please enable ads or don't view our content" is also perfect.
I don't wanna trick anyone into showing me ad-free content, I just want a chance to choose.
I don't like the ads, which is why I switched to Premium. I like it. I also listen to white noise variants at night, so I can't tolerate ads there obviously. I know a little of your situation I think from reading your previous posts here, so I'm sure you are able to "afford" the premium fee. What makes you not pay it?
Small strange nuance for me is when I switch to my corp account, and see an ad, sometimes I really enjoy the ad, because it's novel and creative. Sounds funny to say, and I probably wouldn't fele like that if I saw ads all the time. But some of the YT ads do seem pretty high quality.