According to established tradition, a field may take values in arbitrary manifolds. Thus the fields defined by the polar decomposition of a scalar field are perfectly fine fields: ρ(x) is a field with values in the manifold of positive reals, and ϕ(x) is a field with values in the circle.
ρ2∂2ϕ is a good kinetic term, as it is positive definite and quadratic in the fields. More is not required.
The fields represented as a linear combination of creation and annihilation operators are _very_ special, namely free fields with Heisenberg commutation relations. Most fields (including all fields in the standard model) cannot be written in this simple form.
It is just for pedagogic reasons (and since it suffices for pertirbation theory of ϕ4 theory) that textbooks start with Heisenberg fields, which may leave the wrong impression that there are no other fields, and that kinetic terms must have the special form of a free field theory.