Molina,
I too am a motorcyclist ('99 BMW R1100S) and have had many problems over the years with headphone issues. I currently just use my etymotic er-6i's, but I'll only use them on the highway. I've found that most headphones don't provide enough insulation from windnoise, so in-ear is about the only way to go, unless you're riding a huge faired bike like a Goldwing or something.
Sure it's illegal in a lot of states, but so's rolling through a stop sign or going over 55mph on an Illinois state highway. In highway riding conditions, you'll perceive danger with your eyes, not with your ears, simply because of the incredible wind noise.
So, while I agree that riding a motorcycle with headphones on isn't the safest thing a person could do, I really don't think wearing headphones on the highway makes motorcycling anymore dangerous than what's inherent in the sport.
BTW, FeelTheFire & D Ko, what exactly is the difference between "highly" illegal and "a little" illegal or just plain vanilla "illegal?" I didn't see any wording in the statute that described wearing headphones as "highly" illegal, so let's quit playing word games and call things like they are. I'm sure that both of you have attained a speed in an automobile that far exceeds the posted legal limit and is a longshot from what anyone would call "safe." That statue is a safety regulation, just like the speed limit, and who's to say which causes more accidents. But, I for one doubt that there's ever been a single automobile passenger or driver killed by a motorcyclist wearing headphones. Those are just my two cents from 10 years on 2 wheels.
Regardless, I don't recommend using headphones at all for in-town riding. It's too distracting, and you're just not aware of what's going on around you.
I've contemplated various Bluetooth solutions in the past few months, but I haven't found any that are satisfying. BMW Motorcycles offers a Bluetooth motorcycle helmet in Europe with Bluetooth 1.2 that's compatible with a lot of phones and supposedly has an adapter for mp3 players, though I've yet to see one in person. Schuberth helmets also has a Bluetooth helmet coming out (again maybe only in Europe) that's similar to the BMW. You can get a hold of the BMW helmet here in the States for about $600 through a UK dealer that's willing to work with you on it. I've been contemplating one myself.
I've yet to find a good review of either one to justify dropping that amount of money on a lid, though.