Cruze radio does pair with my smart phone, that has a bunch of other stuff on it, including navigation, but only works for making and receiving calls. For making calls, just find it easier to do that directly from my cell phone, that lady locked up in that box drives me crazy. But great for receiving calls.
If my wife or daughter is in the car, they turn their smart phone's bluetooth off, for my wife, no need for me and anyone in the car to listen to their conversations, and of course, daughter, over 21 wants her privacy.
Can play MP3's from my phone to the radio, but have to plug in a USB cord, easier just to by a USB flashdrive for that. Higher end Garmin's offer the same thing the Cruze radio already has for making and receiving calls. That also have a bluetooth adapter for the diagnostic plug to read codes and such, but have no idea if they work with the generation 3 the Cruze uses. Not cheap at a hundred bucks.
Did buy an Elm 327 that pairs with my smart phone with Torque Pro, does work with OBD II on an older car, pairs on the Cruze, but can't get anything from the Cruze. It's a lot like buying the latest OS from Microsoft, you know you are in for three years of problems with this new stuff. Really no improvements, just different, but they also manage to obsolete what you have that finally works. Get a Torque upgrade every once in awhile, try it again, still doesn't work.
My 1450 Garmin does take a micro SD, slapped in a 8 GB stick in it thinking it would expand the memory from 2 to 10 Gbytes so I could load all of North America. But still can only load the lower 48 states. What that memory does is let you view photos on the Garmin, like I want to view old photos when driving.
To me, a lot of these features are either redundant or worthless. Do wish the Garmin or others had a replaceable battery. I did have to return the first Garmin I purchased, the battery was bad, but worked fine with DC power, another reason why I like to buy this stuff locally. And feel adding memory should let you add more maps, not photos.
Can also pair my smart phone with my computer, but can't do a darn thing with it. Have to plug in the USB cord to do that, but I can brag that I have bluetooth. USB port on the Cruze is worthless for charing a phone, also found that out, couldn't they spare an extra 150 milliamps? Guess not, so have to carry an extra DC power cord for that.