Your bonus playlist problem is a path problem, and it has nothing to do with the firmware level.
You should download the PlaylistForGenos.zip to any of the hard disks on your PC / Mac, not directly on your USB drive:
https://usa.yamaha.com/files/download/other_assets/7/1132987/PlaylistForGenos.zipThen you extract the PlaylistForGenos.zip on your PC / Mac. Then use Windows Explorer / Mac Finder to go down the path to locate the very last occurrence of "PlaylistForGenos" folder in the path and copy that "PlaylistForGenos" folder into the root directory of your USB drive.
On Windows, for example, if you download the PlaylistForGenos.zip in C:\Download\Yamaha\, when you extract the PlaylistForGenos.zip, it will create C:\Download\Yamaha\PlaylistForGenos\PlaylistForGenos folder. If your USB drive name is U:, then you need to copy the folder C:|Download\Yamaha\PlaylistForGenos\PlaylistForGenos to U:\.
If you copied C:|Download\Yamaha\PlaylistForGenos to U:\, then the playlist will be broken as it expects to find the component files under U:\PlaylistForGenos, not U:\PlaylistForGenos\PlaylistForGenos.
Thanks,
Paul