I bought an Android phone (Palm Phone) for under $100 that rarely bothers me at all, definitely the least annoying Android device I've ever had. Still not really an Android fan, but it has the least shovelware of any Android device I've had.
Meanwhile, I have a Surface Book 2, an expensive laptop from Microsoft running Windows 10 Pro. I actively removed all the ads in when I got it, yet still it periodically fucks with my OS and creates new ads, such as a new not-so-helpful keyboard shortcut with Win10 1903 that advertised Office at me that had to be disabled with a Registry Edit.
So even though MS does some cool shit, I do not trust them. I paid the money, I got the pro version, and they still come up with bizarre new ways to advertise at me.
I sign into my phone with an account, but not my primary personal one. I use a secondary one I use for this and some other throwaway uses. I'm sure this isn't the norm, but I bet it's not that unusual, at least among tech people.