So the CD32 unexpanded doesn't have an OS, just a Kernal?
Note I said they don't
USE the OS, it's not that they don't have one. Most consoles just have a large set of libraries in ROM and don't really have a complete OS structure. It's more like a big collection of drivers, and programmers are expected to use them exactly (as specified by the console manufacturer) instead of assuming the OS will do all the dirty stuff, like handle security and prevent one game from overwriting another game's memory card space.
Most Amiga games go out of their way to disable the OS, too, so I'd say that the CD32 doesn't really *use* AmigaOS, either.
It's easy to get the OS and kernel confused, though, as the Amiga kernel is not terribly modular and there's a lot of functionality overlap.
Tell me, isn't an OS just a gui for a kernal, oh and it adds a file system?
No. Some systems are built that way (like classic Macs), but that isn't what the OS is supposed to do. In fact, there's really no hard line between where ther kernel ends and the OS begins, architectually. Filesystems are normally part of the kernel when dealing with macrokernels, like Linux. You can have a filesystem outside the kernel when using a microkernal, but interface logic can make things a nightmare if you're not careful.
"OS" and "GUI" should not be integrated systems. There's a difference between a "UI" (shell that runs on the OS), and a "GUI" (a specialized kind of shell). Technically, neither is part of the OS unless the OS vendor forces you to use them that way, a la Windows and MacOS.
For a better idea of how each layer of the whole system works -- like the kernel, OS, UI, and GUI -- take a look at a typical Linux system. It's not even fair to call Linux an OS, because it's really just a kernel. GNU is the OS on most Linux systems, and the X Window System is the GUI, which is not integrated into Linux or GNU at all. Actually, even that's not true. XWindows is really just a toolkit for managing the GUI. The GUI itself, and applications built with those GUI libraries, are higher-level systems than XWindows. That's why XWindows is called a graphics server.
We can thank all the proprietary OS vendors for confusing people into thinking that all these layers are integrated and totally dependant on each other. Microsoft tried to tell everyone that the web browser is an OS component, for crying out loud. The web browser itself is an application -- only the Internet Explorer libraries could be considered part of the OS, and only because Explorer.exe requires them.