There is software out there that will combine all possible combinations of your target keywords, locations, etc and even do custom DKI in the ad copy. I did this and build out an account with over 500, 000 unique keywords. Not only did it take HOURS to upload through Google Ads Editor, any time I wanted to download an update or make changes, it would similarly effect huge numbers of keywords and ads. Truly not worth it, separate by BMM, Phrase and Exact for each ad group theme if you are looking for more granularity and regularly look at your search terms list to update your exact match.