So that is certainly a valid point. The biggest complain against Samsung, though, is that their apps are much heavier on storage and system resources, makes the system slower than it has to be (even if you don't notice it), and often duplicate features that already come with a Google certified Android phone. For example, there is no need for S Voice when Google Now is already there - it's redundant. There is significantly less complaints about Motorola's modifications to Android, for instance, because people feel like their modifications are less intrusive and more enhancing.
Everything in Android is an app. When your phone boots up, you see the launcher. That's an app. Your phone is an app. You text using an app. Heck, even "Settings" is an app. So it's not possible for you to have a version of Android without any apps. There is no clear definition of "bloatware"... and what is an enhancement to one person can easily feel like bloatware to someone else.