The problematic ads seem to be that MS mines Windows usage itself to target personalized ads in Edge (there's an option to turn it off, but it's on by default), plus games like Solitaire and Minesweeper now have ads (pay to unlock and remove ads). With MS "native ads", web content returned in various OS functionality may include embedded ads if it uses MS network content, plus MS nudges returned Bing results in taskbar/start menu searches (enabled by default).What are these ad's you're talking about?
Basically, worse than ChromeOS.