I’m not up to date with current stuff but when I commuted every day I used one. As speech recognition improved they became more and more useful and my main use was listening to music. Other handy stuff is sending and receiving text messages, making and receiving phone calls and hearing satnav instructions. I’m not keen on phone calls while riding but even stopped it is way easier to use a headset than to take gloves and helmet off, get phone out of pocket etc especially in the pissing rain.
Surely over about 50mph its just too noisy?
I used a unit that allowed me to plug in 3.5mm earphones and used the sound isolating type so I could listen without ridiculous volume. The type that put flat speakers in your helmet are more convenient but obviously the sound quality is not even close. FYI I would always use ear plugs of some type when riding, you have to be stupid not to