[randlet]

"incapable of hearing and understanding what people are telling you without taking out your earbuds"

High quality isolating earbuds should make it pretty difficult to tell what other people are saying even with no music playing! Moving to a mid-range pair of Etymotic noise isolating earbuds was an absolute revelation for me and allowed me to use significantly lower volumes when listening to music. I can't recommend high quality isolating headphones/earbuds enough.