Are these apps from one plus or Google?
- Messages
- Clock
- Calculator
- Recorder (Looks like OP)
I could not find info on the developer for these apps.
I think "phone" and "contacts" are by Google.
Bloat typically means apps from 3rd parties (i.e., not the manufacturer and not Google). Stock messaging, clock, and calculator apps are usually based on the AOSP app. If they preinstalled something like Facebook Messenger, and you couldn't uninstall that, I'd consider it bloat.
Messaging and file manager are definitely bloat as they need lot of permissions to access personal data. Bloat doesn't have to be third party apps. Apps by Samsung, LG or OP is considered bloat as OS is managed by Google.