Thanks, guys! I searched the thread and found most of what I'm looking for...
When I rode the other day I got some in-ear buds and tried not to turn the music too loud. I didn't hear the music very well due to exhaust and wind noise most of the time. I didn't want to turn it up higher since I have tinnitus already and don't need loss of hearing. At low speeds or standstill, I could hear it comfortably enough while still hearing ambient noises.
Not sure if I will continue to listen to music on occasion.