I don't use youtube premium. My reasoning is that most of the channels get demonetized anyway (even vanilla stuff like uncle roger / nigel), so the money would mostly not arrive at the creators I watch.
I don't have any ad problem. On PCs (including OSX, Linux and Windows) and mobiles (iOS), the brave webbrowser does a good job filtering out the ads. On iOS it can also play videos in the background while the screen is locked, which the youtube app can't (so I never use that).
When I watch youtube on the TV, I use my HTPC (based on Raspberry Pi 4) instead of the Wii U. It runs libreelec/kodi and there the youtube plugin also has no issues skipping all the ads.