Tbh the radio over here (I call it radio but it’s not of course these days) sounds a lot like what you pay for. Here I listen to a radio station that plays music of a particular genre (or mixed). Some have adds. Some don’t.Depending on where you live in the US there can be lots of terrestrial radio stations, or barely any. We have probably 100 stations in the NYC metro, mostly free with ads or free due to listener support.
Sirius XM radio is a little different, though. Many of the stations are human curated with high quality DJs and there are no advertisements -- plus access is via internet or satellite broadcast, a huge plus if you live or regularly drive through a part of the country that is not serviced by terrestrial radio and cellular service is spotty. The satellite audio quality is garbage, with the satellites having very thin transmission bands and pre-mp3 quality compression, and so most listeners will use an internet stream when available and only switch to satellite when in a dead zone.
Sirius has hundreds of stations with extremely narrow focus, such as a single type of music or a specific sports team. It's excellent audio content that is less repetitive than AI playlists and is worth paying for. I was hooked on the blues and outlaw country stations for a few years and only got rid of it because I found myself listening to more podcasts.
To get it back on topic I have my favourite radio station preprogrammed in my BMW to one of the physical buttons. Or I just listen to one of my playlists in Apple Music. Easy.