I listen to Toots and the Maytals, Jurassic 5, Wu Tang Clan, or some other funk/old school hip hop tracks when I ride to work on the rail trail. Music gets my day started...it's a very personal experience and I can't imagine it otherwise. Very often, on the busier roads, i will drop the left ear bud out so that I have a better idea of what is behind me. I still slow down, ding my bell, and "passing on the left" when I come upon other users.
When I do recreational rides on the road and in the woods, I don't bring any tracks with me though.