

To be fair most of the “bloat” is the flashy stuff that gets consumers to buy things. The extras that enterprise and some power users don’t care about because they want to use their own thing instead.
A lot of that “bloat” is the easy integrated stuff the average person can set up and use themselves following a couple login and setup screens without having to think about it. Things like OneDrive for easy automated document backup, backing up device licenses to an account versus needing to keep track of a license key if they need to reinstall, integrated find my device services, etc.
All of those functions are expected in a modern OS by the average user, so they are ready to go out of the box with a little setup. It’s the same way Apple handles similar services on OSX and iOS, and Google does with ChromeOS. Not every user will use those services, and there are alternatives of course. Nothing prevents you from uninstalling OneDrive, or most other pre-installed programs or components. I got rid of those immediately after installing Windows 11 because I use other services, and I haven’t seen them since.
I switched to Bitwarden after the LastPass stuff a couple years ago, and I just got around to installing Vaultwarden on my TrueNAS system at home. Using a single Cloudflare Tunnel to handle secure external connections for that and other services like Emby easily. Took a little bit to setup following some guides, but has been working flawlessly for me and some friends. You can use the regular Bitwarden apps and extensions since they natively support self hosting.