The cars that do have built in wifi hotspots, you still have to buy the data. The cars have a cellular chip that allows you to broadcast to the car using wifi. It isn't really any cheaper or different than having a Verizon mifi in your car. Nor is likely to be any cheaper to pay for your car data plan than it is to pay for your phone data plan.
Spotify has a pretty easy to use caching feature that downloads all the playlists that you tell it to. That would probably be your best bet.
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