Hi Michal,
As you are at the beginning of your journey, and focussing mostly on strumming, with a pick, most likely having a tough time of it doing some of the chords (just to mention barre chords) and chord changes, the immediate playability concerns obviously are going to be different from someone who does a lot of barre chords, soloes or does fingerstyle. But you’ll get there! So always find a guitar that allows for growth.
Playability now means whether you can do chords and chord changes easily and clearly, using the right technique, without much effort, and without fret buzz. Later it means whether you can easily pick individual strings and get a clear sound.
Yes it is important to know which music attracts you, and what you would eventually like to achieve.
It will be bound to change over years, but you would need to take that in the equation. For instance you mentioned you like folk / folk style music. Its important to know whether you would like to do singer songwriter / troubadour type music (Ralph Mc Tell, early Dylan, Gordon Lightfoot etc) or do rhythm strumming when there are other instruments, like in a folk band. (flute, violin, mandoline etc) playing melody, and you really focussing on the rhythm stuff, like ( jigs and reels and whatnot). There are different requirements, a solo singer and guitar would not need a super boomy guitar body like a Jumbo. The dreadnought model is somewhat smaller in body than a Jumbo and the Orchestra Model (OM) would be smaller, more easily to hold sitting and standing than the dreadnought or Jumbo.
A parlour model would be even smaller than an OM. Most players would prefer the neck to meet the body at the 14th fret, and most would like a cutaway, to be able to reach some of the higher frets.
If chords are hard to play, the key thing to check are how the neck feels to yu, and the distance (=Action) of the strings to the 12th Fret (Definately not more than 3mm) .
Another thing is to slide with your fingers up and down the neck and check whether the frets are not protruding from the fretboard. Finally posture, you’ll be playing and sitting a lot, so the guitar should sit comfortably on your lap, when you have the right posture.
I am being over detailed, and there is a lot of YT stuff out there, but I would hate it if you’d fail in your search for waht is the right guitar for you
