Pre-installed, yes mine had pre-installed. I don't know anything that doesn't have pre-installed bloatware. What the OP was complaining about was their phone randomly installing unwanted apps after they bought it. Mine has never installed an app without me telling it to. For the bloatware I just disabled it until I'm comfortable using ABD on a new phone.

I have a S21 FE unlocked on AT&T in the USA by the way.

It's carrier based. I've had Samsung phones almost exclusively and as long as I buy unlocked I never get unwanted apps.

Futurama did it. :)