FWIW i don't have problems resuming, but my music is all mp3. it also doesn't try to rescan particularly often. I use a usb to ssd connector though, not sure if that has any relevanceThere is a solution to load errors. If you "scrub" your music collection with a MP3 organizer like MediaMonkey, you can get it to clean up the tags and then encode everything in the USB drive to be either MP3 or FLAC based on the source format.
After I made sure all my lossless music is FLAC and everything else is MP3 at the high bit-rate VBR, I completely solved the loading error issue. It's possible they might have fixed whatever CODEC was causing the loading errors but at least there is a solution to this.
Unfortunately, I have not found any solution to the car indexing ("Loading") my music most times I get in the car and not resuming what it was playing previously. I've tried pausing music before leaving the car and all sorts of other methods but there is a bug that prevents the music from resuming and it is likely linked to the car needlessly scanning the music partition for a few minutes when I'm back in the car.