If that's illegal than cars with closed windows would be illegal too. Even more so if they have the radio on. As a cyclist I keep having issues with car drivers not hearing anything happening outside of their vehicle (not a bell, not yelling, not a bicycle hooter). That's like wearing headphones or earplugs and still is considered normal. I'd love if everyone would be required to drive a cabrio.
Cars are much more safe in a crash (surrounded with a steel frame, airbags, safety belt...) and also safer while driving (better mirrors, bigger and easier to see).
I use the bike, and I know for a fact that almost any crash with a car means me in a coffin. I need all my senses at 100%, can't afford the luxury of listening to music or wear shorts for example.
Agreed. The people who complain about earphones while riding/driving/cycling are older and grew up in an era where they had advertisements on television warning people not to do that. The actual risk is fairly minimal. As you point out: modern cars are designed to be super quiet. Just use some common sense.