> System applications as in the programs that come pre-installed with a fresh install of MacOS.
This is misleading.
All apps included with macOS are updated via Software Update and don't require a login.
What I think you're referring to are apps you get free with the purchase of a new Mac. This includes the suites previously referred to as iLife and iWork.
These aren't part of macOS, and if you do a clean install they aren't there, but you do get a free copy, via the App Store, with the purchase of a new Mac. The App Store does indeed require a login.