Eh, I dunno, flying in a real aircraft I've never liked the idea of music in my headset, but when I fly Elite: Dangerous, I just put pandora up in a browser window in the background.
I know a retired Mohawk pilot who got himself and his right seater in DEEEEEP trouble because they were over Pax river orbiting and testing Q-bird jamming gear whilst pumping Metallica over the intercom for an hour - and they knocked out BWI's entire radar array for 30 minutes due to failing to pay attn to their flight path with active jammers on lol
When I fly DCS, I run LiveATC in the background with a busy channel like Houston approach, or if I'm flying 2.0 Alpha over vegas, I run LiveATC in the background with KLAS (McCarran) guard frequency and/or approach etc.
I've never understood the ATC chatter mods for DCS, you can get live ATC streams for free in the browser or MP3 player, just plug in the ICAO for the airfield you want to stream.
http://www.liveatc.net/