I started in computer software and hardware (Heathkit anyone?) in the late 1970s and will be 80 next spring.
I had uploaded from my CD collection playlists onto my Mac of the day between 2000 and 2010. Then Apple removed these playlists and all of the music on my computer along with their CD/DVD player and forced one to use Apple Music by Siri. What a frustration.
You can definitely have your CD collection in modern Macs. What was iTunes is now the Music app (separate from Apple Music service, basically iTunes with a face lift and some underlying changes). My collection ripped from as far back as 2001 or so lives on in Music after years in iTunes. I've
never subscribed to Apple Music. Playlists have survived all updates. You might want to locate the old iTunes library and import it into Apple Music (how is a tutorial online, provided by Apple). If you still have that library intact on an old Mac, it is likely it will revive your playlists as they were too at last use.
Doing that now to photos. My local NAS has all the sources of the images now so no tricks by Apple can happen other than them killing their ethernet ports.
Photos is harder to deal with as Apple REALLY wants to "load up" iCloud, presumably to drive "services sales" via iCloud capacity needs. To avoid that involves flipping a few toggles to "force" Photos to function like traditional Photos app (or iPhoto before it) as if there is no iCloud. I don't remember the exact steps but I generally have all iCloud functionality associated with Photos OFF and Photos works as it traditionally has.
I do sync a (small 'best of') photo album or two to iCloud for sharing across devices but that's where iCloud use for Photos begins and ends for me... not iCloud-ing every photo ever shot.
Finally getting WiFi 6E on the product line is a big win as I have a whole home mesh system and data transfers are very brisk. I have a 10Gb ethernet hub and the Mac Studio and the M2 Pro Mac mini file server both have 10Gb Ethernet ports so that is an improvement.
I consider myself very tech savvy (ran six different operating systems in the 80s and 90s), but the BS in Apple's recent operating systems is beyond the pale. My memory is not pristine and these challenges are getting more difficult for me to solve.
There does seem to be a conscious effort to "force" upgrades in services revenue. I notice even after each OS upgrade, one often has to go back in and turn some things off again that "magically" get turned on in support of using more iCloud space/services. I've taken to snapshotting all iCloud settings before OS updates so I can put them back again AFTER the upgrades. There's also some digging around necessary to find new toggles that seem to get inserted in places that lean on favoring cellular usage over wifi and iCloud over local storage/synch. There are often "1X things to turn off after you upgrade to..." YouTube tutorials soon after major OS upgrades to help catch some of this. Not everything they recommend should be followed but you likely have the experience to recognize the ones that apply for you vs. those that may not.
I suspect much of this just revolves around lots of strategy being applied to maximize 💰💰💰 in services revenue. If they can default "on" some things/services in an OS update, many users will lack the sophistication to know what to turn on and off, etc, end up with iCloud overload and then just pay up for a larger tier to address their issue: easier to spend more money than wade through lots of tech support information to find which toggles to turn on and off. Apple makes more services revenues (AKA "another record quarter") and the game continues.
Nothing wrong with Apple chasing more revenue- that is fundamental to
any business- but this kind of stuff can be frustrating even to more sophisticated users like yourself... and me too... especially when things we've got setup the way we want them are magically altered to- surprise, surprise- use more iCloud space, more cellular than wifi signal, etc. But who is the most profitable company???