I think your right about the Nokia thing. I think most peoples issues with Samsung, is not bloatware it is the price you pay for the branding. The Chinese phones are much higher specced for the price. There's no way I could've got a fairly fast phone, with a 6.67" screen, 6GB ram, NFC, fingerprint sensor, 5G, face unlock, dual sim, or single sim and SD card for £165 from Samsung. The camera is pretty good too. If it breaks it didn't really cost that much anyway. You could argue that the Chinese are maybe spying on us with their cheap phones (or expensive Huawei), but that maybe originated from Apple or Samsung, wouldn't surprise me with the amount of disinformation in the mainstream news these days.
The only really reason I suggested TCL is the 5G in a medium specced phone for a keen price. If that's not needed, there's a vast amount of budget Chinese or branded phones available.