I work out of my home, so when I want to take a two/three hour spin I always pack my cell. If I'm out in the boonies and the cel rings while on a quiet country RR# or side road and there is little to no traffic, I'll answer my phone while riding.
I just sit up and ride with no hands if the road conditions and traffic allow. Otherwise I will stop. Most often if I'm in the drops, I'll let it ring and go to the message centre.
Bugs the *ss off of some customers that I'm out riding during business hours and they are locked-down-in-office-hell-!