This is purely my opinion of course and it's not a popular one. But the word "bloatware" is extremely overrated and overused.
When I ordered my S10, I could have very easily ordered the unlocked version. But I ordered the AT&T one because I don't get caught up in this "bloatware" nonsense.
I much prefer being able to use AT&T's advanced messaging features and wifi calling. My girlfriend and I have really enjoyed the advanced messaging features on our AT&T phones and we didn't want to give that up. Not to mention we can walk into an AT&T store if something goes wrong with our phones.
Also, you can uninstall or disable 99% of the apps that AT&T puts on the phone. And in reality it's only like 8 apps lol. I don't see what the big deal is. It's not like they are putting 2gb games on the phone.
I've had tons (more than I would admit lol) of phones over the years. I have not once noticed better performance or battery life on an unlocked phone. It's all hogwash.
And last but not least, I get software updates faster on the carrier phone. When I recently had my Note 9, I got the Pie update a few weeks ago. As of last week my buddy with an unlocked Note 9 still didn't receive the Pie update.
Once again, this is just my personal opinion. But I think it's all overrated.