An exploit will try to exploit a bug in your software. A “zero day” exploit is just a freshly detected exploit, where the attacker has a good chance that the bug is not fixed yet.
Since there is an OS update fixing the bug, just apply the update. If you get a file that would have exploited your computer before the update, it can’t do that anymore and you are safe. What will happen: For audio and picture files, most likely the OS will tell the application that this is not a valid file and will not allow the file to be played. The alternative is that at the point where the bug was exploited, the file is now actually valid. Or playing the file may crash the application in a way that cannot cause damage.
Unless you are specifically investigating malicious software/data, there is no need to know whether an exploit is present in the file. Otherwise, usually the exact details will not be published
PS Someone at apple with access to the source code containing the bug would have to take the file, play it, until it reaches the bug or not. Even if it reaches the bug, that doesn’t mean it’s an exploit. The bug might display one pixel worn under rare but legal circumstances, with a one in a billion chance of causing an exploit.