That is very species dependent.
Some cold adapted species use various mechanisms to ensure that they can survive being frozen without that occurring.
One common answer is a form of natural antifreeze, preventing the crystallization from occurring where it would cause that kind of damage.
Every now and then, I try to browser without an ad blocker.
That generally lasts until I encounter something that’s bad enough that I don’t really have a choice, and then I turn it back on.
The page needs to actually function. It needs to be possible to click on something and actually be clicking on the thing that you’re intending to.
And it can not have stuff that blinks in a manner that causes a segment of the population (which includes me at times, but not 100% of the time) significant neurological problems.
That last one has been the driving force behind stuff getting reenabled a fair bit.
Oh, and if it’s ads on video content, they need to be at least vaguely reasonable in regards to interruptions and length. Youtube is way past that at this point.