(I have some experience with Tidal, which also has apparently human-curated lists but they haven't at all at Apple's level. My experience with Spotify wasn't good, but it was also really limited, because it just didn't offer anything obvious over Apple Music to me -- the reverse is almost certainly true for someone who's already deeply invested in Spotify, though!)
To each their own, I guess, but I’m naturally a “passive” music discoverer, using a combination of recommendations and similar artist radios and whatnot. It works fairly well.
The recommendation features, albeit imperfect, are a big reason I'm still on Spotify. I don't think they're secondary at all, as I would have gotten bored by now and canceled my subscription. True, I could go through all the effort you mentioned, but realistically I wouldn't.
I mean, maybe. I only listen to music when I'm a) driving; b) working. Neither are times I'm particularly interested in searching for new bands to listen to, so I'm going to end up relying on my streaming service's recommendation engine.