Mail, Calendar, Keynote, Contacts, Photos, Notes, Reminders, Pages, and Numbers are web enabled. Go to iCloud.com. You can legit edit and collaborate in Keynote/Pages/Numbers on the web, and in some ways is superior to G suite apps (especially Google Slides).

If the web app is good enough, then the desktop versions shouldn't exist and thus shouldn't be installed. They end up being "bloat" either way.

Ah so you are an electron fan eh? Web apps "good enough" eliminate desktop apps? <eyeroll>

My point is that if Apple's webapps are good enough to serve as the only interface to e.g. your documents on other platforms, they should also be good enough for MacOS. I don't personally believe that they are good enough for that but you can't have it both ways: Either Apple doesn't support other platforms well enough for their ecosystem to be a good choice for a multi-platform user or else their web apps are good enough that they don't need corresponding desktop apps.

To directly address your question, though, I am a fan of so-called progressive webapps and very much not a fan of electron.

If you use non-Apple devices then there is no bloat since you do not have these apps.