AdBlockPlus / uBlock Origin user here - I haven't seen an overlay ad (or for that matter, a non-overlay ad) in years now.

And, no, I don't feel guilty - I might have felt guilty if I only paid for ads with my attention (I'm not sure though - I don't feel guilty ignoring the ads on a print newspaper). But allowing ads through means you give 20 or so organizations with questionable ethics complete info about your web use, including (but not limited) to when and what -- and those 20 organizations sell that info to the highest bidder. No, I don't feel guilty at all.