Music doesn't bother me. Loud distorted and tinny music coming from a cell phone does. It sounds more like a swarm of insects then music. I've a cell phone on which music actually sounds pretty good - at low volumes in a quiet room. Otherwise, not so good. if your going to play music out loud, at least make it sound good by getting a decent Bluetooth wireless speaker.
As far as loud talkers, it is amazing how far voices can travel under the right conditions. I've heard groups doing their "bonding ritual" at the end of the day as far as 1/4 mile away. And barking dogs from way down in the valley. Or the constant drone of highway noise, which you'll hear through the entire state of PA. The NASCAR raceway in CT is shear torture if you hike around the edge of that bowl overlooking the raceway on a weekend.