I wish I could just use the watch for everything and dump the phone. It does some ham fisted stuff to prevent this. For example, the watch Bluetooth stack detects that it is connected to a car stereo and refuses to work.
I play music in my car over bluetooth only from my watch. Works even without having the iPhone nearby. But yes, I agree with you. The Apple Watch can and should support almost all features the iPhone has. Three features I would like to see: hotspot, switching apps while on call, and Airplay music to soundbars.
It's kind of a sloppy solution, but what about using a Bluetooth to aux adapter? You would lose the dashboard audio controls but at least you can listen to your stuff.