Yeah, no. I own one. This is deeply disingenuous.

Uh, I own six, and disagree, profoundly.

It has Kickstart in ROM.

That's the name of the ROM images, yes.

That is, broadly, the bootloader.

This is not just "broad", but outright wrong.

The ROM contains, e.g.:

* exec library (kernel)

* graphics.library (display routines)

* intuition.library (windows and menus)

* amigashell (the CLI shell)

* workbench.library (literally, the Workbench)

dos.library, input.device, FastFileSystem and so on.

And, in 2.0+ ROMs, it even contains a bunch of shell commands (dir, echo etc) that reside in sys:c on older ROMs.

What's loaded from disk is your user programs and your data, besides any other libraries you might need (like diskfont.library, which is used to load fonts from disk, if you don't like the ROM provided one).