I rate it 1 star if it asks before I could possibly have even used it.
It would have to be a truly miraculous app that transforms my life for me to change a review.
If it asks after the 20th or so use, then it gets 5 stars because I obviously open it a bunch and regardless of my feelings, it's obviously useful to me.
Bank and medical apps get an automatic 1 star because I don't get a choice in using them and I want them always improving.
And if they use the dark pattern of a fake in-app review, so that they can redirect only the good ratings to the app store while opening a "feedback form" for bad ratings - I will actually go out of my way and open the app store and give them a one-star anyway.