Back in the day, if a phone call had to be made it could wait until a pay phone was located or I got home. I cannot imagine what kind of business needs to be conducted over the phone while one is on a bike. I carry my phone for an emergency, in which case I dismount and make my call.

I'm not a big fan either of music while on the bike, but at least it has one argument for it - cadence. Anyone who says they are not at least partially distracted while talking on the phone (hands-free) and operating a vehicle of any sort, is in denial.

Care to share reasons why you find it necessary to talk while you ride?