Eh? A 'running observation commentary'; that sounds like something you might do if you were completely insane . Do you do this outside the car as well, there are potential hazards everywhere you know, and it might be as well to do your commentary out loud so that you can warn everyone of all the dangers.

I just don't find music distracting when I'm driving, casual listening requires no specific concentration for me. Do you ban passengers from talking when you're driving?