Microsoft’s announcement: “We are introducing a new Game Pass recommendation card on the Settings homepage. The Game Pass recommendation card on Settings Homepage will be shown to you if you actively play games on your PC. As a reminder – the Settings homepage will be shown only on the Home and Pro editions of Windows 11 and if you’re signed into Windows with your Microsoft account.”
IIRC macOS will sometimes beg you to subscribe for more iCloud disk space. Far better than Windows, but still an ad.
Yeah and Apple TV, Apple Music, and care plan advertising. It’s not as in your face though.
It’s less begging than a “Your iCloud storage is full. Want some more?” which is fair in my books.