Have you seen the lists from older Samsung phones? I have an Unlocked Note 9 and 80% of that stuff wasn't even on my phone, that tells me it's not always Samsung. The rest, the majority I wouldn't even call bloat as a lot of people use them. Those lists are more "purists" who want every single thing they don't use off their phone. Carriers are more to blame for bloat that anything and I disabled a fair share of **** Google tried shoving down my throat as well.
Also, I like how the Note 9 thread takes you to a list for the S8. No wonder I couldn't find half the stuff.