It's not great. Linux mint is what I install for older relatives now. It's close enough to windows feeling that they never even question it.
There’s plenty of that content in our media, but those people don’t consume that media. A computer is a critical general purpose tool. Everyone needs it. This is like putting scantily clad elves on every refrigerator.
To stoke my rage into an incandescent fury, if you go to settings -> Lock Screen, there's no obvious way to disable it at first. You have to change the background image from "Microsoft Spotlight", the one where the image changes to a static background image, and THEN you get a checkbox. The checkbox you uncheck is "get tips, fun facts, and more". I guess trying to sell me shit is under "more".
It sucks because i agree that having the picture change is a nice feature. Microsoft has decided to hold that nice feature hostage to ads.
This seems better than having a program that does random web requests to put ads on the lock screen.