I have a 2018 VW Sportwagen with audio inputs for AUX, SD card and USB A. I normally use an 128GB SD card with a mix of AIFF, ALAC and MP3s for road trips but after reading your message I tried putting the SD card into a USB card reader and plugging it into the USB input. It works perfectly. No idea if that would work with the Mini and it does have limitations in terms of song selection/navigation but it’s perfect for me. I have a ’Roadtrip’ playlist on the card with 1,300 songs that I put on shuffle and just drive.
Reader like this -- https://smile.amazon.com/SanDisk-UHS-I-Card-Reader-Sddr-C531-Gnann/dp/B07HB866XN/ref=sr_1_14?keywords=USB+SD+card+reader&qid=1560691021&s=gateway&sr=8-14
Reader like this -- https://smile.amazon.com/SanDisk-UHS-I-Card-Reader-Sddr-C531-Gnann/dp/B07HB866XN/ref=sr_1_14?keywords=USB+SD+card+reader&qid=1560691021&s=gateway&sr=8-14