I run Opera, which has a built-in content blocker. As a rule, I don't block ads because they're a revenue source for many sites and I consider them the cost of admission. If I consider the annoyance a fair exchange for the content then I'll accept the ads, and if I don't think the content is worth the ads then I won't use the site.

I will disable particular ads on a case-by-case basis that I consider pathologically aggravating (less than 1%), or when they disrupt page functionality. I also block several types of tracking functions that can aggregate an identity across multiple domains (I find no privacy issues with first-party analytics).

In the special case of floating overlays, I am a strange, strange person. I will not click on the close button, because I don't like clicking on an ad, even to close it. Instead, I will fire up the debugger and delete the ad from the DOM.