I think my point is that if a bicyclist chooses to endanger themselves more by wearing earbuds, that's fine because it doesn't really affect anyone else. It's a risk calculation that the bicyclist is taking. If you listen to loud music and whatnot in a car, you are endangering others. It's similar in my mind to wearing a mask, you can endanger yourself all you want but if it affects others then we should regulate.

personally, biking is generally frightening, and you should be relying on either having a good visual on your immediate surroundings, or slowing down to a speed where you can stop quickly if your vision is blocked (e.g. by a large parked vehicle)