Can anyone answer my question about bloatware please?
If your assumption is fully accurate, then you're right, there really aren't consequences of 'bloatware'. But Can you truly fully remove the effects of bloat ware though, I think is the better question. I don't think you can fully remove its impact on device performance.
Being able to delete it is obviously the best solution but you can't delete everything--actually in my experience you can't delete very much.
Disabling helps but it still takes up device memory and I also question how effective it is. For example, I went through and disabled as much of the Sony software as possible on my Xperia Z1 Compact but still get update notifications that I either have to accept or repeatedly ignore.
Just hiding it is clearly the least effective and even though 'out of sight, out of mind', it still has an impact on device performance.
And there are certain things you just don't have an option. Many elements of TouchWiz are simply functions installed into the OS and while you can turn them off, they are still part of the OS and have an impact, even if it's limited to using up valuable storage space. For example, couldn't turn off the Magazine portion of my Note 10.1 (2014) and it was the epitome of 'lagfest.' The fact the GPE versions near universally appear to run smoother with great efficiency as do unlocked/Developer editions vs. their carrier branded OEM skinned counterparts, is proof enough, at least IMO.
I'll give you just one example with my AT&T branded Note 2 that drove me nuts. I keep my wifi on all the time--don't want to have to manually manage my wifi usage. AT&T managed to configure their version to automatically connect to any AT&T hotspots when in their vicinity and there was no way to turn off this functionality. The greater problem was that AT&T wifi were terrible--usually far worse than their own HSPA speeds, any they were everywhere in the US (Starbucks, McDonalds, their own stores, and other locations). So everytime I was close, my Note 2 would connect and effectively kill my network performance. Only way to deal with this was to keep my wifi turned off when out or flash a custom ROM.
So long story short, in theory your assumption would be pretty accurate--I just don't think it's possible.