Because there ARE that many. The extra lots are lots in the bin. You can delete those from the bin, but the files will still be in that folder. And if you create your own lot, then decide to delete it, that file will still be in the folder.
The extra character files are dead pre-made Sims (many of whom are missing gravestones unless you recover them), the ridiculous number of townies and stray animals the game produces and duplicate NPCs. I don't know why, but the game generates three maids, three unsavory charlatans, 3 mail delivery persons, 3 handy persons, 3 dog trainers... and on and on. This stuff is why I learned to make clean neighborhoods myself. So I could have one maid, one cashier, etc. and fewer townies and strays. I also installed an anti-redundancy mod, an anti-townie respawn mod, and an anti-stray respawn mod, so they won't come back unless one dies. I also have a "there can only be one professor" mod for when I generate a college neighborhood, because it will generate a bunch otherwise. Realistic... maybe, but not necessary.