I'm OK with paying for services that the family uses and get returns out of them, such as the YouTube Premium. So, I'm not fighting tooth-n-nail to avoid ads where I can just buy it out.
I have seen and have even tried browsing the Internet without these basic tools (AdBlockers), and I'm stunned how the world had evolved into and how are people are on the Internet without these basic safeguards.
The only problem I have is with a few government/banks/insurance website that I have to strip out and go in naked to get things done.
Agreed. As long as there is an option to avoid it, I am ok with paying for it ( Hulu adfree tier comes to mind ).
<< not so much as trying to avoid being tracked entirely.
Agreed. That might be overkill for the benefit it provides.
<< I want to revamp and setup a better infrastructure
I keep talking about it with my friends, but I can't find enough motivation ( and there is always an excuse not to ).
World is ruled by money. Advertising is big. Anything that ruin this business will never be advertised publicly. Just imagine huge posters or ads in TV in prime time for pi-hole or AdGuard. That would be paradox not just for advertisers but also for product that is mean to work against advertising.
If also recommend browser based blockers for desktop and mobile, uBlock Origin bring the best in my opinion and couple that with others as required.
Find and use a few different upstream, privacy conscious and providers. I'm not convinced of the efficacy of paid VPNs, but by all means obtain and use one under your own control for when you're out and about on "hostile" (read; not home) networks.