reluctantuser wrote: … I see that using Smart Albums does accomplish the searches I would want to do. … There doesn't seem to be any way to delete Smart Albums. …
As with any album, right-click for a pull-down menu:

I keep a Temporary Smart Album handy near the top of my album list. I don't delete it, so I can quickly set new criteria for a new search. I keep most other Smart Albums is a Smart Album folder.
… I can only see them (or any other Albums now) by Photos>View>Collections>Albums (whereas previously, Albums were conveniently visible in a panel on the left-side of the Photos screen).
Albums has always been a in a similar spot. I found this from 2022-- I'm not sure if it's Ventura or Sonoma:

with my albums and folders are below this.
and this is now:

So there are some extra things above albums, but there's no longer Albums>My Albums, just Albums-- a bit simpler. Most of my albums are organized into folders.
Like other sections, Albums can be opened or closed for a cleaner look.