Q: Why can't I store my playlists on iTunes on my iPhone, AND use iTunes Match?

This isn't so much a question, as a complaint.

Re: this sentence in the support article:

iTunes Match on iPhone, iPad, or iPod touch - Apple Support

• When you enable iTunes Match on your iOS device, the music library on your iOS device will be deleted and replaced with your music in iCloud.

WHY? Because we should all clog up the wireless and cellular networks downloading albums we already own and can preload on our mobile devices? Or else we should pay tons of $$$ every month to download our own albums via the cellular network if wireless isn't available?

WHY can't we have both our playlists AND iTunes match, as needed, on our iOS devices?

My expectation when I purchased iTunes Match last month was that I would retain the playlists I synced to my iPhone from my laptop on the iOS device, so that I could listen to those playlists when I do not have wireless access to the iTunes Match cloud. (I have turned off the cellular download.) And then if I wanted to, if I was somewhere and wanted a different album from what I have on my playlist, I could listen to that album by either downloading it via, say, a coffee shop's wireless, or by turning on my cellular download capabilities.

Apparently, it is one or the other. Either I have iTunes match and have to download Every. Single. Album. from the cloud, OR, I have playlists loaded on my iOS device, and don't have access to iTunes Match on my mobile device. Which means there is no point to buying iTunes Match, as it leaves me using it at home, only, when I am on a wireless network with my MacBook and Apple TV. Hello, speaker attached to my laptop! It means I cannot use it on my iPhone, if I am say, at a coffee shop and want to access an album I did not preload, unless I am willing to delete my iOS-stored playlists.

I'm confused as to why I cannot have playlists stored locally on my phone, and then also have access to iTunes Match on my iOS device.

I messed around with this for an hour today, reading about a dozen online support forum posts, and this seems to be the solution:

     -- Either you have your playlists loaded locally on your phone, or, you have iTunes Match activated and can only listen to music via the cloud. But you do not get both.

This is fine if you are a on a wireless network 24/7, but I do tend to go to remote areas where cellular data is limited or non-existent, or, I don't have wireless access (like in my car). I don't want to have to load/sync/cancel between playlists and iTunes Match each and every time I go somewhere remote vs somewhere with wireless. That will be wasting a lot of my time and I do not have time to sync playlists and turn off iTunes match when I go someplace remote, and then resync later in order to get iTunes Match going. What a pain in the rear end this is.

I guess I will cancel iTunes Match.

Apple engineers, I don't understand why I cannot both preload my playlists to my iOS device, and access iTunes Match, too. It makes no sense to me.