Weird, I've had Samsungs flagship phones since 10 years back and never had any app on them that would be considered bloatware. There are a bunch of low-key note-taking apps etc that you can just ignore. Like another poster wrote, maybe it's a US-thing?

I actually use the Samsung web browser, because it allows ad-blocking out of the box, which Chrome on Android won't allow...

I've always used gboard as a keyboard (googles keyboard) and disabled the options to get really predictive and smart as I'm sure that makes it learn more closely and potentially send back data to google etc.