On Windows I don't reformat anymore like I used to, and I used to reformat a lot because I would disable "useless" Windows services to save on RAM (back when I had 3GB of RAM, and then 8GB). When I stopped doing that, my OS was working fine for years and years.
I like the approach of Arch. I do a clean install, add the applications that I want, and leave virtually all of the settings at their defaults. In one respect it is a highly customized system since the installed software is tailored to my needs. On the other hand, I am not spending time tweaking settings.
When I use systems where the vendor installs a lot of software by default (it doesn't matter whether it's another Linux distribution or Windows), I am easily annoyed by how much stuff gets in my way visually or in terms of performances. That leaves me with an intense desire to debloat. I try to resist the urge, but am usually unsuccessful.
Every time I need to get something done, I can instead look at a progress bar slowly filling up.
Every time a new major update comes out, I do a clean install, put on Office, Visual Studio and a couple of apps and I'm good to go.