You'd have to stretch the definition of ads quite a lot for those to fit. At worst, they'd be bloatware (but IIRC they're not even pre-installed apps, just stubs that link to the store that you can simply remove permanently). Still in bad taste and those should not show up especially in Pro SKU.

An ad would be a banner that shows up when you open the Start menu with "meet singles near you" or "try ubereats" or "buy Chevrolet cars" or some other bullshit of that sorts.

No.

A third-party paying to have a small poster ('Tile') that shows + links to their product is the very definition of an ad.

What?

They're ads. Just like product placement in videos. When the actor is drinking Coca-Cola(tm) with the label pointed perfectly to the camera, that's an ad.

The fact that it doesn't "feel" like an ad to you, is just the industry adapting to audiences general dislike of "obvious" ads.