Smh5-fm with earplugs. Tried Loss and Etys. Once I moved away from my cheap skull candy inked buds that did nothing to reduce wind noise, I had problems with everything else hurting the ear canal. Since going to the 5-FM, I'll never go back to ear buds under a helmet. Plugs go in ears and I can hear the speakers just fine. Volume, play from phone or FM all right thereon the left side of the helmet. Can easily move to the next/previous track just fine. I tercom works pretty good too. I don't like talking on phone while riding, so I set it to not VOX answer.
It is just way simpler. No cords to run or to catch and pull an ear bud out an hour from my next planned stop. No trying to fumble to iopod nano control in my pocket. The nano now just lives in the console of my car.