The problem occurred when I tried to enter a NAV route after an overnight in a small town where there was no cell service. You have to have cell service in order to enter a route. While my Verizon phone had cell service in every little town I passed through, the car, with AT&T, only had service in the major cities while I was in Canada.
The other problem was that I like to be able to see the map context (roads other than the one I'm on) and the car only loads this information when I enter an area. Google Maps on my Verizon phone worked perfectly. The car was a big FAIL for navigation on that trip with its AT&T cell service. Were it not for the phone, I'd have been lost on numerous occasions. Thus the phone sitting up where I could see it while driving, and thus my forgetting to take it with me when I went in to a store.
FWIW, my ancient Garmin has all of North America pre-loaded. Those maps are out of date now, but I don't see why the car cannot load everything within a five-hundred mile radius of me whenever it does have a connection, so that it could display the full map when it does not have a connection. Even here in Spokane, if I drive a bit outside of town, the map will go blank if I have not entered a destination ahead of time.