I mean considering the level of shitware samsung install on their phones (and make difficult to remove or disable) it will be hard to tell the difference between the official stuff and straight up honest malware.
I bought a Galaxy A33 the other day for my mother. It came full of crapware. All kinds of Samsung this-or-the-other. Some of the apps can be disabled, but not all. Like parts of Bixby (= Samsung's assistant? no idea) can be disabled if you click through a warning, but others cannot.
There is also a bunch of 3rd party crap pre-installed, like MS Onedrive, Facebook, Tiktok.
And it pushes hard to use Onedrive instead of google drive.
There's also a separate, Samsung store, and some functions seem to require a Samsung account.
The latest Samsung device i have is tab s8 from this year and the software i would call bloat was all the Google stuff like Youtube, Youtube music, Duo, Chrome, Google search. And worst of all the Google assistant that you have to go to multiple places to disable.
If you don't want it the only option is a non android os such as oxygen.
To add injury Bixby hijacks a physical button and Samsung Pay a swipe direction.