Do not group them into the same groups with more targeted warm and hot keys. If you use cold semantics, then it is necessary only in separate ad groups:
Information keys are requests in which a need is just beginning to form, or the user is looking for a way to solve the problem on his own, not yet being aware that the problem cannot be solved with his own hands, or the user is purposefully looking only for information to see/ read in order to do everything himself (technology, methods, distinguish, advantages, description, types, methods, types, varieties, features, there are, tips, popular, differences, differences, forum, for free, with your own hands, yourself, yourself, etc.)
Keys with informational stop words are all the same as described above, only these are the service parts of speech from which such requests can begin or which can be in the middle of the request (how, and, what, is it, what, whether, where, it is possible, or, oh, about, what, about, such, why, should, who, to, if, why, that, this, etc.)
Early stages of demand — when the user is already familiar with the problem and is already looking for options for either products or sellers/performers (choose, rating, best, most, options, choice, quality, reliable, compare, compare, assortment, famous, etc.)
Multimedia/photo queries are semantic analogues of the queries "rating, choose, options", etc., only here is a direct request to search for images (photos, modern, stylish, beautiful, ideas, samples, fashionable, new, pictures, real, trends, solutions, show, unusual, example, interesting, rubik, photos, view, practical, taste, combination, hit, portfolio, trends, etc.)
Competitive keys (product brands, company names)
Competitors' locations (districts, microdistricts, places in the city, streets, names of buildings, colloquial folk names of districts and places in the city)
The examples of words given above in parentheses are taken from a real project and are arranged in descending order of the frequency of occurrence of words in the history of search queries for a considerable period of accumulation of statistics.