I'm having a hard time understanding what peoples definition of an 'important' or 'must respond to' call/text would be. I mean if you have a wife that is 8+ months pregnant, that would be reasonable. Or if you're a doctor on call. But then...wtf are you doing on a bike hours away from home/work. But for everything else....
My phone is on silent all the time. If I'm on a ride, I don't look at it, or hear it.