Hey there Jeffobrien10,
Thanks for reaching out to Apple Support Communities. I understand the audio from music on your iPhone XR is skipping. It sounds like you’ve done some great troubleshooting to isolate the issue and I’ll be happy to help.
To verify, are you using Apple Music? Have you tried playing music from other sources or apps to see if this has any impact on the issue? If not, do this and see what the results are.
Also, did you restore a backup of your SE to your XR? If so, back up your iPhone and restore it to factory settings with the steps from these links:
How to back up your iPhone, iPad, and iPod touch
Restore your iPhone, iPad, or iPod to factory settings
Test music in this state. You can add your iCloud account and other data but just do not restore a backup until you’ve been able to test. If everything works good in this state, restore your backup and test once more:
Restore your iPhone, iPad, or iPod touch from a backup
Let me know if this helps.