This is mostly an issue for content produced to still be on regular tv and streaming, like on Paramount. Star Trek Discovery and Strange New Worlds, for example, are not as dramatic as described above but you can always spot where the adbreak would have been. Cut to black and a re-establishing shot at the least. These are modern shows like you describe but still the TV medium has some influence.

One thing I do notice more and appreciate from streaming (sense8 in particular) is that shows are more varied in their runtime. Episodes being 40 minutes to 75 in length just depending on the needs of the plot, not even finale related or anything