iLife ships on a separate disk than OS X. If you do a reinstall, you don't have to load it. The restore disks that something like an HP would come with reload all the junk on there again though, such as the Norton garbage, Office trial garbage, and tons of other unusable trialware that needs to come off.
Not to mention the other useless apps built into Windows, like the ones you mentioned. If Windows ever got to the point of a good Linux distro where you can pick and choose the apps you want installed, I'd be quite happy.
that's what I tell people. Every mac comes with the "restore" discs that are just the complete osx and no other bloat whatsoever. none of that random aol trials, some random 3rd party antivirus trials and such.