Oh man, glad I'm not the only one. I've had this happen to me a couple of times now and it's absolutely horrifying.
Note: this is the first time I've used the word 'horryfing' when describing using an Apple product...or any other product, actually.
The noise is played at full volume at an excruciating frequency through your headphones, and that's plenty to cause some serious hearing problems.
But then there's the jump scare.
You're never too young to get a heart attack, but I don't want Apple's music service to lower that age even more for me.
The problem occurs with both wired and Bluetooth headphones, and seems to occur especially when switching playlists. I'm on a 2018 Mac Mini that runs the latest software updates (macOS Big Sur 11.4).
Never thought that the user experience of an Apple product would be harmful for my health.