I have a Schuberth C3 and the integrated (but optional) speaker / mic setup. It works a charm for this. The mic detects wind noise, and scales up the volume when riding and then back down at stops. This allows setting my phone to play audio at one volume, and the helmet keeps it audible but not overpowering. This helmet is very quiet (but hot) so unless I'm doing an all day ride, I don't wear earplugs. Podcasts, music, FM radio, Sat Nav commentary, even the rare phone call: all very clear. It's bluetooth connected to my phone, so no wires dangling from my hat. I get more than one full day of riding / listening, so as long as I charge up each night, I'm good for long trips.
Before this setup, I tried the earbuds but never found a set that would stay in place.