It does not affect your experience once you're inside an app, such as Netflix. However, if you want to change some settings (e.g. brightness/HDR, dolby settings, device manager, etc.), you have to access the menu bar with the ad in it. To get to settings, you have to click past the ad. The moment you target the ad (to click past it), it starts an annoying ad clip. Depending on your country (Germany for me), I find some of those ads super intrusive and insulting, such as life insurance (showing some dad that has an accident and thinks in his last moments how the children will grow up without him, haven't left them anything) or Tesla (yeah, sure, totally buying a 70k+ car that has half the range of my 20k Mercedes).
If you leave on the option of "targeted advertisement" in your settings, they promise "better" advertisement based on your interests. They then basically spy on everything your watch and try to make the ads more interesting to you. I haven't tried that. I instantly turned it off. When you have it on for a while and turn it off, the ads disappear for a day or so, before you get targeted with the random, insulting ads. That's what people in this thread mean when they say they did that and the ads are gone. They're only gone for a day or so as the system readjusts.
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