Terrestrial FM stations are typically much worse than Sirius XM. Play lists are purchased by corporate head offices in predefined packages. Then the songs are repeated over and over until a new package is purchased (AKA a format change.) While I agree that some Sirius XM stations have relatively short play lists, some formats, by definition, have short playlists. Anything that is era based or plays a format that is no longer current has a limited number of songs to choose from. While I think that some of Sirius XM stations could do a lot better, corporate owned FM (which describes most stations) is much worse.
A better option are streaming radio services that allow the creation of playlists customized to personal taste. The subscriber gets to define what they want to hear and what they don't. I subscribed to several of these services at different times. They typically have a choice of several million songs to choose from. The down side is that some popular artists and songs are often missing. In addition, some of the better services are geo-blocked outside the US.
A better option are streaming radio services that allow the creation of playlists customized to personal taste. The subscriber gets to define what they want to hear and what they don't. I subscribed to several of these services at different times. They typically have a choice of several million songs to choose from. The down side is that some popular artists and songs are often missing. In addition, some of the better services are geo-blocked outside the US.