I think I'll get the Wind-3. Where I ride every day noise is not an issue, my first stretch runs along a 55 MPH Parkway with RR tracks running parallel, then over an overpass with 45 MPH traffic and trains below onto a mostly abandoned stretch of shared bike/walkway along a drainage to a big circle around a retention pond and back, 10 miles total. There are a few walkers around the retention pond but they all have their own music, some with ear buds, some not. The dozen or so homeless camps I pass usually have their own music, when they are awake.
I am not blasting Megadeath either, I like to play 50s Jazz, Latin Jazz and Bossa Nova just loud enough for me to hear it. In fact in passing it probably sounds much like earbuds, which I can hear from others as I pass if my music is off. I usually just use my phone in my shirt pocket but can't hear it along the parkway or the railway so I need a tad more volume for those areas with easy to adjust volume buttons. I don't feel comfortable with ear buds, I'm afraid I won't hear a car approaching.