The difference between home and pro is very small these days. Hyper-V, BitLocker, and Group Policy, are basically it. You can grab a cheap OEM licence to upgrade Home to Pro very easily for far less than $200.
Wasn't it also true that the Home version can't connect to regular SMB/CIFS shares? There's a very faint bell ringing in the back of my mind about that.
Erm. No? I use it and I don't remember ads that I can't disable (honestly I don't remember ads in windows except in Edge but thats different story), or some tricky interruption on windows load.
I have a distinct memory of seeing an advertisement for a windows store game in the start menu of my copy of windows 10 professional in the year 2015. The widows license was $200. I hadn't used windows in years before, and I only used it briefly in 2015.