Sirius/XM is notorious for making you go through this.
The only time I used XM is when they gave it to you for free when buying a vehicle from a dealership.
I can stream from my iPhone to my vehicle's audio system via BT. Cheaper being able to stream Amazon Prime music, iTunes music, iHeartRadio, Pandora or TuneIn Radio than pay for a service that is not as reliable and has fewer choices.