I have a half-dozen systems running Windows 10 Home... none of them display ads or pop-ups.
But I don't run them out-of-the-box (defaults set when Win 10 is initially installed). I run a few tools to clean out the bloatware, rollback phone-home telemetry to a minimum, and have total control over when/if updates take place.
The default Win 10 install is so annoying that I kept my systems on Windows 7 and then "Windows 9" (Windows 8.1 Embedded Industry Pro + Win 7-like theme, start menu, etc.) But once I tackled Win 10's annoyances, I actually enjoy using it now... the first time I've enjoyed using Windows since Win 7.
I'm looking to update a few of these systems to Win 11 but I'll first test these tools on a Win 11 VM first.
If anyone is interested in taming their Win 10/11 system in a similar manner, let me know and i can start a new thread and post step-by-step instructions to address those issues.