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I also drive a 2016 Mazda, and I can confirm that I had the same problem with the same fix

Thanks for this idea. Made a big difference.

Sounds like fsck running at boot time

Could be fsck or could be searching the whole drive for media files to index it every time it's inserted or the system rebooted. I guess a reasonable test of which without better access to the thing would be to have two drives of the same size with one mostly full and one mostly empty.

I drive a 2016 CX-5 with the stock in-dash software. If I'm bored enough at some point I might test the hypothesis on that.