The Tommyca is along the lines of what I was envisioning although it doesnt seem to have an SD card slot.

I guess I could just buy a phone mount and use my smartphone for mp3 and a cheap AM FM radio with a speaker for OTA. (id have to find a way to mount that as well) Seriously though, I cant believe there isnt more of a market for bike radios that arent bluetooth. Im in my 30's and I feel like im 60 when it comes to tech. Older seems to be better to me, in most cases lol

With that said, I must say that I surprised about how many folks use earbuds. I think I would feel constrained by the wire and annoyed that it would get in the way while getting on and off the bike, plus safety is always a concern.