On the bike, only on long stretches of highway or interstate and I bought a Neckmike M3 that I have been using with my phone. I play music through Bluetooth so I can answer calls too. There several sizes of ear bud tips that come with the Neckmike and I think they cut down on the ambient noise enough that I never turn the music volume up past half way. I don't like the music too loud, just where I can hear it clearly.
Previously I had a Rio MP3 player that I used for many years until it got broke in a crash.
I was riding my ATC on some power line right-of-way when I caught a series of ruts; diagonally. I got tossed off the trike and landed pretty dang hard on my head (wearing a helmet, not just a mullet), enough to disorientate me for a bit. I was hearing a sound like a stuck horn, but I was confused because my ATC doesn't have a horn. I couldn't figure it out, so I started walking over to the trike to shut the horn off (I hit my head pretty hard). I finally realized the sound was coming from the ear buds because the Rio I had clipped on my side, had got smashed and was making the noise.
Crusier riders dress like pirates, sport bike riders dress like Power Rangers and adventure riders dress like Starship Troopers. Dual sport riders are just fashion disasters.