I don't have a previous experience so my reasoning was "well it's Samsung, at worst they'll have some shitty branded apps and some cruft". But I don't have an idea what these dozens of preinstalled apps running on my phone doing. Almost none of them can be uninstalled and only a handful can be disabled.
It is kind of scary to use a banking app on this thing. Never felt this way on an iPhone. I wanted to see the Android side after years of iPhone use, apparently it is still shit.