What do you do?

[Jiffer]

I have done some organized rides where I "happened" to notice they say "no headphones", but people wear them anyway, including me, and it is not an issue. I think they say it as a precaution, but in my experience, they don't enforce it. Especially if you are reasonably subtle about it and only wear it in your right ear. I don't want to get you in trouble, though. Just giving you my two cents.

Having said that, I have done a few races where I for sure could not wear headphones without being disqualified. The first was 55 miles and I was a little freaked at the possibility. But found the thrill of doing the race kept me going. I think you'll find you'll be distracted enough with the ride itself and the people around you to be too frustrated about no music. But I suspect you'll see other people wearing headphones. Not that you should. That's your choice to make. I think the worst that could happen is they tell you take it off.

Have fun and good luck!!!