I have Windows 11 Pro and I've never seen an ad. I don't remember turning anything off but I did upgrade from Windows 10, so maybe that had something to do with it, unless it's just that Pro doesn't contain ads. I also don't use it with a microsoft account and don't have any "services" from them, so maybe that helps.

Same story here. I have much more frustrating experience with my MacOS laptop.

Haters gonns hate I suppose

Really? My Win 11 install (sparsely used nowadays) is nag city. Set up OneDrive, activate cloud backups, sign into your Microsoft account, oops Xbox Game Bar popped up because I pressed some key combination, reboot (a few times) to finish updates, set up copilot, error installing update, reboot before installing update, etc.