If it’s super fresh, the cream may not have separated to the top. But you’d notice after a day or so.
They may be removing it to make butter or something or to hit a target of 4%.
What kind of cows? My cowshare was a Jersey and the milk had 3-4 inches of cream, but Jerseys produce milk with higher fat content than the black and white Holsteins.
Milk has strange regulations so when you’re looking at nutritional value base it on if it’s whole, 2%, and all the others. While fat is important moderation is important also but you aren’t getting below the recommended nutrition value if it’s whole milk.