swa66, I totally agree on interest ads. They are AWFUL! I am getting higher CPCs without them, my earnings have gone up. And people that come to my site don't get followed by stuff they searched for two days ago.
I personally loathe interest based ads. I hate them. You see the same crap on every site you go to that has interest ads on. I will never allow them on my sites again. They have nothing to do with my content, and just clutter up my pages.
BTW, I know that Google claims you will have lower earnings or whatever if you turn them because of the ad auctions. I think that's bunk, at least on my sites. They seem to offer little or no value to my sites, and they were clocking in at about 35% of my ad impressions. I should have turned them off a long time ago.