Yeah, I am getting the same impression that the personal might have ads? not sure.

I am trying it now and the trial version doesn't show me ads, at least not yet ¯\_(ツ)_/¯

No ads in Setapp.

SetApp has business and a personal pricing? I don’t know any difference beyond number of devices. And likely business has more admin control etc.

Otherwise Setapp is Netflix for Mac apps. A pretty limited amount. But no ads and the selection is pretty good.