A system us bloated when I feel it is bloated. It is highly subjective and there is no real line to cross. It is just more of a sliding scale, at one end there is no code on your system that you never use and at the other there is nothing on it that you ever want to use.
The former can likely on be reached on small microcontrollers where you have written everything exactly how you want it, and you would never even consider using the latter.
Realistically every system has things younever use, even the kernel has modules you will never load. And every non tiny program has features you never use. All of that is technically bloat but each instance I don’t think makes your system or even an application feel bloated.
So really the question is when does the bloat bother you or get in your way. If you are trying to install an OS on a tiny embedded device where space is a premiumthenn you are going to draw that line at a different point to on the latest desktop with multi terabytes of storages and oodles of ram.
Anyone that claims there system has no bloat is technically lying to themselves. But if it makes them happy who cares? If your system has every package installed and it does not bother you at all thenitt does not matter at all.