I generally agree with you, but I think a 'concierge' could be helpful. I'd argue it's best placed in my phone and then give me good integration, but there you go. The use case I'm thinking of is to be able to say "get me out of this traffic" - even my GPS can't really do that very well.
I think car makers now have a significant perception problem. They 'shot their load' (so to speak) years ago with the most horrible systems known to humanity. Now, no matter how good they make it, all previous victims will view those features with suspicion.
By way of an example, we have a 5 year old Honda CRV. It's got voice-rec, which even the dealer told me "we usually show this last" because it was so noddy and crap. You can use it to turn the fan speed up and down - honestly, unless your left arm falls off during a long drive, there's literally no way you'd want to do it. Trying to get the thing to "phone home" or "phone wife" or whatever results in the AC going on and off and fiddling with the radio stations.
Now, after I've witnessed that crap for however long we own the car, does Honda think I'm ever going to say "yeah, I'd like voice rec in my future car"? Nope - as I say, just integrate (well) with someone else who can do these things properly and be done with it.