Would love to know that too.
Considering :
(a) the size of my library
(b) the amount of time I've spent tagging my files
(c) the type of music I listen to (live albums, classical, film scores)
I don't want:
(1) to be forced to upload music to iCloud -> let me choose what I want to match or upload
(2) Apple to be (d)ucking around with the files on my hard drive -> leave my tags alone!
Like you, I want:
- to be able to create playlists and
- download music
without having to deal with the mandatory obligations of iCloud Music Library (forced uploads, tags, artwork changes, mismatched files).