Reg. point 2, creators get a fraction of a cent for your view. Just send them a dollar once a year, and they will benefit more. Then install adblocker.
Fwiw, creators get much more for views with Premium than for ad views. Still not a lot though. I think it was Linus Tech Tips who said that you buying one item of their merch gives them more money than watching every single video on their channel combined.
If they make something I want I’ll buy. I have the LTT screwdriver for example, even though I don’t watch them. But I watch too many channels to sub them all on Patreon or buy stuff I don’t need. Premium gets me a better experience and then a bit of additional income.