I was side swiped last year on a canyon road with no shoulder. I was not wearing any earbuds/headphones and in retrospect did not heed the warning sound of an approaching car and hug the inside of the white line. I was only bruised on my left hip and stayed upright. She was likely texting and of course lied about her driving as expected.
I take this lesson into account; I want to be vitally aware of my surroundings and act accordingly. On several occasions, I have been passed within a foot by vehicles where I heard them and moved over another foot closer to the side of the road. Whether the drivers were trying to scare me or were distracted I do not know. What I do know is hearing them in advance and moving over likely has spared me some rear end collisions.
If your hearing is so acute that music will not hinder you - great! For me, I will not take that chance.