Skimmed comments, but if you download and manage your music on your own on a machine you can have a super simple setup like I do. All music is synced using Syncthing to my phone. So my phone gets local storage, and then I use Poweramp (android) to play it.

I pretty much have a folder for all the music though. But I assume you can sort music into folders to have them as playlists. But perhaps not as practical as desired.