The obvious difference is, someone, somewhere out there will see you wearing/using that luxury brand and think "ooo, fancy", and thus will think you are more "refined" for it. Whether you agree with that or not, that's the reality.
nobody is going to think you're more refined for watching a YouTube ad.
Someone will think you're more refined if you don't watch a YouTube ad though, whether it's through ad blocker or premium, that's the comparison you should be making.