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.
There is a great dirt track about 20 minutes from me! I’d love to go every weekend but $45 per person is expensive.