In my experience, ad personalization is still so bad it has no impact, like in your last example. But at least now I'm not seeing random shit. I don't really bother to try and counter targeted ads, and the vast majority of the ads I get are for products I actually already bought or never intended to buy but was researching for other purposes. Yes, Google knows I spent a lot of time researching drills, but guess what, Home Depot isn't telling them I bought a drill, so I'll get drill ads for a month. And yeah, I looked at a bunch of luxury sail yachts, private jets, and cars, but it's not because I suddenly make more money. It's because I'm interested in design and engineering. But Google just stupidly assumes I became a billionaire overnight and gives me 100' yacht ads.

I'd honestly be more worried about a random ad getting lucky and pre-emptively catching my interest. Targeted ads are so reactive it's not a problem.