Since you have a streaming service, have you tried using the offline mode? It allows you to download music to play when you don't want to stream. It also allows you to easily change what's saved. I am always adding playlists and albums, so I have a constantly changing lineup. I find the 320k mp3s to be perfectly acceptable in the car, or at work.
I also have the V20, and with the "quad dac," it is the best sounding phone I've ever had.
@bigx5murf , I have never heard that the headphones have to be over 55ohm to trigger the higher mode. I have been able to switch back and forth and hear quite a difference, with all kinds of headphones and earbuds. Can you point me to some info about that?