Is there an easy way to see my ads without having to consider all the complexities of geography, personalization or time of day?

Glad you asked. Yes. Google has a free tool called Ad Preview Tool. Enter your keyword and targeted location and Google will present the results for you.

Simply enter the keyword you wish to search on in the box (home repair, elderly compaion care, B12 shots, etc.). Adjust the Location designation to be the city of your location and hit Preview. You will see a non-biased sample of how your ad would appear during a search.

Google Ad Preview Tool