As far as I know, there is nothing to prevent Samsung from selling you a TV, then sending out a software update in two years which forces you to accept a new terms of service that allows them to serve you ads. If you do not accept, they brick your TV.
So it’s not a question of being savvy. As a consumer you can’t know what a company will choose to do in the future.
The lawsuit seems to be about using ACR, not the presence of ads.