I use in ear Bluetooth headphones when cycling. In Europe. Maybe in America you have to worry about hearing the sound of cars, it doesn’t really seem like a huge issue to me. Drivers can’t hear shit and it’s fine for them, same for me, I can hear enough to know what’s happening around me. I’m not cycling for hours with nothing to listen to.

Anyway, I would just not bother calling someone if I was moving, especially if I only had 60€ to spend. Pull over if it’s urgent to speak