Not if you choose to not sync them.
Re:MacOS Catalina: Slow by Design?
by radicaldreamer on Friday May 22, 2020 @09:19PM
(#23278936)
Yup, you can choose to not use iCloud backup and back up offline in an encrypted way (even over wifi) if you’d like.
Not sure how a list of installed apps is going to be worse than that.