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May I suggest checking these out? https://shokz.com/products/openrunpro
Not affiliated, just like mine for when I need to keep my ears completely open. Audio quality is surprisingly good, but also never going to compete with something whose sole purpose is to sound good i.e. non-sporty headphones.
Bike riding is perfect for these bone conducting headphones, you can listen to tunes while hearing absolutely everything.
But then again they have no health care costs whatsoever.