Garmin
Forerunner 255S Music

Garmin
Garmin

Garmin

You can often find the 255 on sale for not much more than the 55. I’d pick up a 255 on sale and get better gps and metrics. Love mine.
Yes, 255 has multi-band gps! Even the best gps will have some issues in some areas with tall buildings, but definitely a step up from something like the 55.
For me a forerunner was 100% worth it but I never liked Apple Watch, never used mine (hand me down from a parent), and didn’t have the same concerns about Garmin that you have. I am not a smart watch person so the fact that my garmin (255) is basically not a smart watch is ideal for me. I don’t care about look. The training metrics are a plus and a big part of why I love it but nothing anyone needs and if the battery life/24/7 wear isn’t going to be THE factor for you then it sounds like Apple Watch is your watch and you don’t need to convince yourself you need Garmin!
I recently swapped my Apple Watch for a garmin forerunner 255 and it’s been great. It was between that and a coros pace 3, and after reading a bunch of reviews I went with garmin, but I probably would have been happy with either. It was a close call.
I switched from Apple Watch & Apple Music to Garmin 255 & Spotify. You can get a yearly Spotify premium gift card from Amazon for $120 to save money, otherwise it's $144 a year from Spotify. I much prefer Garmins watch for running over the Apple Watch. The 2 music subscriptions were about equal to me. They both have their annoyances & pluses.
I have a Garmin forerunner 255s - has an older screen so more muted colours - almost e-ink like. No touch screen, only buttons, so feels very different from a smart watch. Has great health metrics as well!
How much will playing music from the watch be a use for you? Battery life suffers a lot when you use the watch for music, and the 255 specifically suffers a lot. From a week or two of battery to hours. It might be worth it to upgrade to the higher end watch just for the battery life alone.
My experience with the 255 Music is the same as two other friends with the same watch. Playing music had a big drain for all of us. Maybe you got lucky and got a 950 battery accidentally installed in yours at the factory hahaha
Garmin
Forerunner 255 Series
Long battery; but wrist HR tracking is inconsistent.

Garmin
Forerunner 955 Series
Best value, clear MIP screen; limited smartwatch features.

Garmin
Fenix 7 Series
Durable, multi-week battery, flashlight; high price, buggy software.
Garmin
Instinct 2 Series
Rugged, solar multi-week battery; bulky, small screen readability issues.

Garmin
Enduro 3
Multi-week solar battery, lightweight; but bulky form factor.

Ranked #1
Oura - Oura Ring Series

Ranked #1
Apple - Ultra Series

Ranked #1
Garmin - Enduro 3

Ranked #1
Garmin - Fenix 7 Series

Ranked #1
Garmin - Forerunner 255 Series

Ranked #1
Oura - Oura Ring Series