Ads in the start menu and on the lock screen are apparently perfectly normal to end users now. It's honestly just sad.
"Show suggestions occasionally in Start" in the useless redundant new settings app is something that should be a completely optional component and not intrinsic to the operating system.
I mean the pictures are nice, but it is personalized by proclamation, so they have to farm at least some data.
All this stuff needs to be patched out yesterday in my opinion.