Honestly, how do you experience those two? Because my personal experience is opposite.

What does it mean for you for a product to be 'locked down'? Mac OS has amazing range of customizability, with endless options to change it with APIs and third party apps. So far I didn't encounter behaviour I don't like and wasn't able to change. What is your list? Or it means something different for you?

And what does "bloated" means for you? I understand what it means in regards to Windows. It constantly gives me options I didn't ask for. Like when I press Start button I feel like I am at the Time Square with ads and stuff I didn't ask for yelling at me. I don't have such expericense with macOS. And apple intelligence fits right in - if you don't ask for it it won't show itself.