Nooooooooooo! Every time we have this discussion, it always goes on for pages and pages, and no one's ever 'converted' we just find out who thinks who's going to die, and who's just peachy with that. Pleaaaase! No!

FTR, I've found music that I *can* play (has enough higher-pitched stuff to sound decent out of headphones turned up and unworn) so I'm using those sony headphones that wrap around your ear (not the buds) and slipping the 'over the ear' part through my straps, and turning it up, so it's like ambient music that cars/etc will easily drown out.
Also ftr, it's my older music that was meant to be played on speakers less 'refined' than these days, so it almost has a more authentic sound that way...
...my Doors, Janis, Pink Floyd, John Denver, Bob Dylan, Beatles (White and One albums) etc etc... ...and newer ones like Nirvana etc.

the external speakers are okay, and legal, I think. In Beaverton, OR, specifically, headphones or earbuds in both ears on any public road are illegal, while external speakers are alright. ---Just for the FYI on official legality.