For bloatware to be a meaningful term, I think it needs to go beyond just some arbitrary percent of users don't need or use it. For an OS, having baseline apps which are useful across a wide variety of hardware setups and use cases is reasonable, even if they don't apply in your particular situation. Bloat would be superfluous apps that replicate baseline features or baseline apps that have grown in scope beyond what's strictly necessary.

Remote desktop and camera apps are pretty primary pieces of functionality, whether or not you use or need them. Windows is bloated garbage in general but those apps are not really a part of that imo... I don't know if there's really a precise definition of bloatware but I sort of think of it mostly as something that takes up your system resources rather than just hard drive space. Something that runs all or most of the time even though it doesn't actually provide much value