Anecdotally, my personal incidence of this kind of thing has dropped off a cliff since I stopped using Google devices, Gmail, and Chrome, and I also stopped carrying any cell phone regularly. It still happens occasionally, but it’s within the threshold of random chance now. Before, not so much.

I also separated identity linked activities like banking from other activities via a separate device with VPN.

The few ads that make it through my setup are usually generic bottom of the barrel ads for people in my region. Feels nice.