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Yes, they both are examples of acceptance of risk, but I think the difference is that jeans and t-shirt don't in and of themselves detract from your riding skill, whereas music or some other distractions do, or at least that is the argument. I think what we (some of us) are saying is that music isn't necessarily an added risk in some circumstances.
That
is the argument, but I have yet to see anyone provide any supporting evidence for it besides "it must be distracting" or "it doesn't make you safer, so it must make you more likely to be hurt and is therefore not worth it". The moment someone provides that for a situation outside of city/'burbs riding, I'll reassess my position.
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Yeah and those circumstances are when you aren't operating a vehicle. Not saying I'm perfect either because I'm not. Sometime I'll drive with my IEMs on which I know isn't the best idea either. But considering they don't isolate the greatest and that I'm in a car makes me feel a bit more safe. On a motorcycle or bike I'd feel way to exposed too take the risk. Now if I was riding in a safe area where there was barely any traffic I can see it. But you never know and that is the scary part. People just don't respect people on bikes.
Says you. You accept the risk of driving with IEMs (which by the argument that it's a distraction is more likely to injure
others than riding with them, which is what you should be worrying about) as well as ignoring the fact that the sound insulation on modern cars is generally pretty great on its own. I'd be surprised if you could hear anything at all in a modern (assumption, to be fair) car with IEMs in or the stereo at a moderate/loud volume. let alone anything useful.
You would feel more exposed on a bike/MC, which is completely your right and logical, but the fact that it's less ideal for you than what you feel most comfortable with doesn't mean anything to anyone else.
At the end of the day, you can drive a car proactively or passively. You don't have that choice on a motorbike, and roadcraft is something that a lot of non-riders or inexperienced riders just don't "get". Barring someone actively trying to hit you or running a red/intersection at significantly over the speed limit, there isn't much that a proactive, competent rider should be surprised by, because it's their job to be constantly scanning their surroundings, assessing potential risks in the vicinity and allow for other people's mistakes/stupidity/selfishness.
The cues that tell me when something's about to happen are not usually aural, and never aural once I'm riding at 80+kph. That may differ for other people, which is fine, but anyone making blanket statements just doesn't know what they're talking about.