I dont mind banners at all, I often click them, and have found many of the shops I use now through them.
I do however use a pop-up blocker because you dont have any option to look at them, and they are in your face. Plus some of them open new popups, so within a few seconds you have 40 windows open and have to close the whole group, by this time your computer is opening more and the whole thing goes slow.
Even with pop-ups allowed I never found them too bad for CDFreaks. Remember, however much we hate adverts they are what keeps the internet free.