I think it is fascinating that there seems to be huge differences between the amount of ads seen. Not being signed in to Microsoft account probably is the single biggest factor, followed by having Pro edition and being located in EU instead of US. And of course not having an OEM edition. Obviously I opt-outed everything during installation, but I don't remember going through any special hoops in at any stage.
While I can't say that I haven't seen any ads, they have been singular events (I think at least one for O365, OneDrive, and Edge, maybe something else too) instead of any sort of constant stream. Of course it is valid to argue that any ads, however few, are too many, and I don't disagree. But I definitely do not remember seeing any third-party ads in my Windows 10 and I think that is pretty important distinction.
But as someone who has become extremely wary of installing any mobile apps due the infestation of ads there, I feel my desktop to still be pretty decent oasis against ads.
