What is a "folder"? I do not see that word anywhere on the Groove Music interface on my PC. How do you create a folder? I do not have music (or anything else) "in the cloud." I have a prepaid phone and do not access the internet or anything else non-phone when I am away from my home wi-fi. I generally look for albums on a music player and then build playlists from them, such as 'dinner music,' 'favorite dance numbers,' 'dance practice 2,' 'language lesson16,' etc. I purchased a Windows 10 smart phone because I broke my camera and want to get away from my 2019 iPod Touch2, since Apple products never made sense to me. (MS seems to be drifting there.)
The playlists that I built in iTunes showed up in Groove Music on my PC, but have not moved to the phone. (I link them with a cable.)
Perhaps there is a better app for me to use to listen to my playlists.