The MAIN reason the ads annoy me (aside from not really being relevant to my interests) is that they are at times in the way. I want to strangle whomever took Charmins money to make an extra CATEGORY on the main menu, meaning if I want to turn my tivo off (aka standby), which I can do without a screen (tivo button, page down, select, page down, select), it suddenly DOESNT do because I accidentally hit the ad (that I'm not even viewing anyway). Tivo seems to switch from having the ad there to somewhere else. I know the Roamio is newish still, but this kind of pathetic that they have to widget it in like that. It's a good thing I like Charmin because it almost makes me want to NOT buy any product advertised that way, if at least to prove a point (advertising stuff in such an annoying way has the exact opposite effect that's intended on the consumer).
Anyway, with that rant being said, the idea of them trying to monetize with ads does not bother me. My crappy 10 year old comcast Scientific Atlanta DVR had it's crappy software effectively upgraded to new Xfinity crappy software so banner ads could be added to every guide page (and selectible like a channel...often happening by accident). I know this sounds like a heavy lowering of the bar, but the fact remains that beyond some really ignoramic design issues as to how they place their ads, the idea that the Roamio has a few, comparatively, isn't THAT big of a deal (especially given older/crappier DVR's do it, not to mention my Plasma TV has ads too I noticed...).
In summary, I dont like it, but all Tivo REALLY should be doing is fixing where they put those ads, because adding it to the main menu on the bottom at random is incredibly in the way.