It depends on your exposure profile.

Installing malware and bloatware into an OS is relatively easy. Doing the same to a bios is doable, but a LOT harder.

If you’re after a mini PC for home use or even a small business, wiping the os is likely fine. The concern would mostly kick in with larger organisations or government level targets.

It’s a question of how many man hours of effort hacking you is worth. Even if they are compromised, they are unlikely to risk outing the breach for anything less than a high value target.