There's a separate Samsung version of every core Google Android app, a separate Samsung account system to sync everything, and a Samsung launcher. Mind you, I personally use none of it (except launcher), but that's basically the definition of Android bloat.
I'd expect bloatware to be unnecessary software. To a user who is not familiar with google's offering, the bloat doesn't exist, they don't see two different softwares. Samsung phones don't have two messaging apps, gallery, or phone app
Not including google's version doesn't equate to bloat. In fact, the opposite is true.
I guess one man's trash is another man's treasure. I like Samsung Health application and use it daily. I even had purchased something called RunKepper but stopped using it in favour of Samsung app.