Basically, screens have way too much area for it to be economical to apply antireflective coatings to them. So bonded just means the space between glass layers is filled with glue instead to prevent internal reflections, but that also means each layer isn't separately serviceable any longer so everything has to be changed as an entire unit. Yes, the digitizer can be one of those layers.
Any time you have multiple pieces of glass in series, the internal reflections can produce multiple repeating visual artifacts that move depending on the angle. In a telescope each lens has to have such a coating or internal reflections will render it nearly useless in anything but absolute darkness.
You do not really notice the reflections... until they are gone. People will cut Museum Glass to put in places like their airplane gauges, so there are no longer any situations where those sometimes cannot be read because of bright reflections. Or prescription sunglasses with no antireflective coating are pretty useless because you keep seeing your own eyeballs blinking which is really distracting. And that is with only one glass layer. With many glass layers it's like those partially silvered infinity mirrors that make one row of lights look like an infinite number of them vanishing off into the distance.
Commercial monitors often are available with a touchscreen overlay accessory. That's how you order your food in those self-serve kiosks.