Hi dbrown57,
If we understand correctly, your Apple media apps like Apple Music and Podcasts will randomly skip or cut out, and you've already started some great isolation steps.
Since you've already confirmed it happens with both downloaded and streaming content, and occurs when connected to Bluetooth or played directly from the iPhone speakers, it isn't likely a network or Bluetooth connection issue.
We suggest that you start with an update to the iOS software to the latest version. This will ensure you have the latest bug fixes and security updates, and it'll allow us to isolate the software update as a possible issue if it continues. These instructions will help you update over-the-air.
Update iPhone manually
At any time, you can check for and install software updates.
Go to Settings
> General > Software Update.
The screen shows the currently installed version of iOS and whether an update is available.
To turn off automatic updates, go to Settings > General > Software Update > Automatic Updates.
Update iOS on iPhone - Apple Support
Thank you for being part of the Apple Support Communities.
Kindest Regards.