To me: The worst thing about ads is getting non-relevant ads.
If I'm going to be stuck seeing ads, I literally WANT them to be targeted for me.
I don't want ads for cars, women-specific products, beer, for infants, and stores that don't carry products I want. I want the ads to know which kinds of books, movies, and music I like.
That said, I pay to remove ads when I can for services that I want (like streaming), but if the ads were more relevant and weren't the same ads over and over and over, I might consider the cheaper ad tier for a streaming service.