I'll carry on conversations on rides up to 25-30mph, depending on effort. Over that and I'm working too hard to carry on a conversation. I can't say that wind has ever been the impediment to conversation.
I'll use my cell phone, through the earbud and attached microphone.
Ok, I suppose that meets the prescribed methods in the Road Nazi "Handbuch Fur Rennrad".
You may proceed through the checkpoint.