After a lifetime of loud music, target shooting, lawn mowing, leaf blowing and motorsports (not to mention genetics), I have significant degradation in my hearing. I never ride without earplugs anymore as I want to protect what hearing I have left. I had one of the earlier Sena comm systems and didn't really use it - for communication or music. I won't ride without earplugs and if the volume is turned up enough to hear the helmet speakers, you might as well not bother with the plugs. There is an option to use the Sena with wired earbuds but this is uncomfortable and doesn't sufficiently reduce ambient noise anyway. I looked into custom molded earbuds and then decided it was something I didn't really need.
Depending on what is going on (trips, weather, other activities etc.) this is similar to my riding pattern. I have done up to 60 or 70 hours in a week on a long trip when I needed to cover distance. That is a bit of a grind.
Each to his own with respect to music, phone calls etc. Since I rarely ride in any sort of group, the communications thing is irrelevant. My GPS links with my phone so I get notifications of email, phone calls and text messages on the screen (unless I disable the feature).