Just use FMOD. Licensing is not that bad and have only gotten better over time. Adding an extra logo is no big deal and when you actually have to pay for it you’ll have plenty of cash from your game’s earnings. And the thing is stupidly powerful, especially if you use FMOD Studio. Monogame’s audio is straight up hot garbage, better just pretend it does not exist. There is also WWISE, but I am not aware of any good C# ports. And OpenAL sounds like a lot of work.
I just updated my own FMOD library to the latest everything, it does not support mac, but you can add it yourself with relative ease.