I agree with your points, except I believe there is a limited role for algorithms that help users discover new things they might like but not know about. I prefer Spotify's approach, where there's a specific area of the app (a "Discover Weekly" playlist) that gets refreshed but not so often that it becomes a dopamine lever. Although that kind of recommendation algorithm can't seem to handle multifaceted "loves rap but also renaissance music" users' tastes very well yet—in that regard Pandora's separate stations were better.