Azure is Microsoft's biggest money-maker, not the inclusion of ads in Windows. Windows itself drives 12% of Microsoft sales[1].
[1]: https://www.kamilfranek.com/microsoft-revenue-breakdown/
[1]: https://www.kamilfranek.com/microsoft-revenue-breakdown/
I suspect that most people actually spending their own money are spending less than $1000, which more or less puts Apple out of the running.