My experience with HMD ("Nokia") phones has been that they've come quite bloat-free from the factory. There are the Google apps (because no normal Android user outside of maybe China would buy a phone without those) but other than that the ROM has always been very clean.

If you load it up with Tiktok and Instagram and whatever else likes to run in the background all the time, it'll certainly be bogged down, but HMD phones themselves are normally clean when you buy them*

*=unless you buy them through a carrier which customises the OS, like people in the US often seem to choose for some reason. But that's because the carrier loads those phones with bloat, not because HMD does.