android central put up their AT&T note 4 review
http://www.androidcentral.com/samsung-galaxy-note-4-review
they mention that it comes with about 25 pre-installed at&t apps but you can remove them easily
i thought you couldn't remove bloat without rooting?
You can disable bloat since 2011 Ice Cream Sandwich 4.0.x. Just go to App Manager and click disable next to the app and all disabled apps show up under Turned Off page if you want to reenable them for any reason.