If you’re going to use nvidia, don’t even touch wayland. Truly an awful experience.
Bloat does matter it is extremely important, not because having a bunch of apps slows anything down or has any tangible impact in that regard. Because it isn’t as sexy as somebody’s hyper specific gentoo install compiled without some specific module.
The reason bloat is such a big deal, particularly if you’re new to it, is because it’s confusing. if you’re trying to fix a problem that you have run into / possibly contributed to, a dozen different programs running in the background that you didn’t put there is going leave you frustrated and disenfranchised.
Pick a modular distribution like Arch, take the loss that is your weekend putting it together and develop an understanding of how the pieces fit together. If you really don’t have time choose something like eg endeavourOS. ( or even Void is quite nice (but non systemd so less conventional))
I would personally recommend avoiding something like fedora or Debian. They are both fantastic distributions that work very well. They are not good at teaching new users how to fix problems and that should be your primary goal here.
This is the only path forward.