i feel samsung phones are targeting a different audience compared to oneplus phones. samsung phones comes with everything out of the box, while oneplus is close to stock android where you need to source for your own apps which you need to use while samsung phones already have those out of the box
but like what i have mentioned in my earlier post, whether apps are considered as "bloatware" is subjective as it depends on whether individuals are using those apps
from my experience with s10+, i see minor lags thus far, but i shall see after the phone is half a year old or more as samsung phones are well known to slow down when it ages