I never had much use for cellphones up until very recently when I bought a cheap phone for emergency purposes only. I drive a lot now to get to and from work/school and home and enrolled in CAA as well for extra roadside protection. I bought a bluetooth for $19.99 at Walmart along with my pay-as-you-go Virgin Mobile (this past September) and it works great. Both phone and bluetooth, including a $50.00 card, cost me about $160.00 total (love Wal-mart sales). I have the volume set up perfectly, and set up voice activated calling.
Part of the reason I never owned a cellphone was because where I used to live was in a valley in Toronto that was a "dead" zone for cell phones and I travelled to work by subway, another dead zone for cell phones. I couldn't justify a cell phone with my lifestyle, so I did without and got used to it. When I did get one, I found it too distracting to talk and drive.
Things have changed for me now that I've bought my house and live a considerable distance from work and school, and I find the bluetooth option to be safer, especially so given I have to touch nothing except the button on my bluetooth when I want to make a call. It's a kin to scratching my ear. The only time I find it slightly distracting is when I am initiating a call and I do that only at stoplights/exit ramps.