Why limit yourself to just your phone, use a pi-hole and block ads for your whole network.

And when I’m out, I have a vpn running on the phone back to my home network and block ads on 4g/5g as well

Use either NextDNS or adguard. They are DNS-level ad blockers, so a quick configuration of your DNS settings and ur good to go.

At system level you can use AdGuard DNS. Search in the settings app for DNS and set custom DNS to dns.adguard-dns.com

On Safari you can download the AdGuard app and configure it as a content blocker.

Proton VPN does block ads in apps. You'll need to pay for the ad blocking though.

I’ve been using 1Blocker for years. It used to be a one-time purchase, but now it’s free with many features requiring a subscription.

I do subscribe, though. It’s updated frequently, can block trackers in apps, and syncs settings across all my devices. Its comment block feature has probably kept me sane.

https://apps.apple.com/us/app/1blocker-ad-blocker/id1365531024

Some VPNs have options for adblocking (dns based)

HyperWeb safari extension

Lockdown is a blacklist style “vpn” that is run on your device and will help with ads and tracking when browsing and in games. For YouTube, I go about sideloading uyou plus which covers any ads and similar issues within YouTube itself.

https://apps.apple.com/ca/app/lockdown-privacy-vpn-proxy/id1469783711

I use adguard and adguard VPN on my phone. I have an adguard home server set up on my home network so I use that when I’m at home instead. I don’t VPN into my network as others have suggested because I have Xfinity and I have limited monthly data.