I do a stock install. First thing I do is to delete/disable One Drive. I then go to Ninite and use it to load a bunch of the basic stuff I want in one shot, such as Chrome, VLC, 7 zip...stuff like that. I like to use CoreTemp because it works well (particularly with Ryzen). I get MSI Afterburner and Riva. I use Samsung Magician, I have come around to utilizing "defender" (Windows Security) in lieu of much else. I used Symantec for years but have gotten away from it's use as of late for various reasons. I like Davinci for video editing which I am no good at. One of the biggest freeware things we use is pdf escape. I use Adobe as well, but sometimes it won't edit things correctly so use 'escape' as a backup and it works really well.
I pay for Dropbox and Quickbooks because we need them for work. Same with Adobe. I have been starting to use Libre Office or Open Office in lieu of MS Office products because they went dumb about licensure and having to be subscribed.
In the future I suspect that I will be utilizing Ubuntu for freeware OS as a replacement for W10 on the older, but still capable, work machines.