There are a lot of people who dont use earphones on the bike, who are describing what it is like!
Well I always do use earphones, so I guess I know more about it. I also used earphones on my motorcycle and I listen to music in the car.
If I can afford to be deaf and destracted when piloting over a tonne of high speed death, why all the fuss on an itsy cycle?
I am willing to take any hearing test, while wearing my headphones. I can hear cars from over half a mile away on these country roads, with the headphones on. On a downhill they actually improve hearing as they delay the start of wind noise.
Never have any trouble socialising, although I take the earphones down just to be polite, if it develops to a conversation.
Maybee if you experiment , you will develop these skills too.