> What product categories exist where all entries only work (over USB) with native drivers?

All the categories you've listed have products that require a companion application to configure things out of band, that the "universal" driver doesn't understand.

In the case of the four HID you've listed the app would be for configuring key mapping, macros, rgb, firmware updates.

Some webcams need apps to control things not exposed by the native driver (things like head tracking or more specific sensor control).

I'm not familiar with the market but I would imagine that many headsets and DACs nowadays have similar apps to tune EQs presets and the like.