Not a problem. I also enjoy Kayaking, and riding a motorcycle. I wear a full face helmet when I ride the motorcycle, and I can tell you, for a fact, I can hear less in my full face while on my motorcycle, than I can with earbuds in. But again, I'm choosing my safety, and you get to choose yours. It comes back to telling people something is "too risky" or "dangerous". Eating cheeseburgers and watching hours of reality tv on your couch is going to kill far more people, and take many years off lives than someone out biking with earbuds in will. If I'm here promoting bicycling because I enjoy it, and sharing the way I do, hopefully someone who is coming here and considering a commute will take some inspiration and give it a shot. It's a risk, but even with earbuds, I'd say if you factor in the fitness, health and overall well being, it's a risk I'm happy to take. Ymmv.

Joe