Don, the phone is really not an issue, not real interested in using it when riding.
Although, the Zumo with the BT is a nice feature, as you can see who is calling, could be nice for when you get that "when are you going to be home" call.
Actually, I really don't want any comms, I like it the way it is.
But - my wife wants to be able to talk, and though I can hear her fine it does not work well the other way, especially if I decide to use the full face.
So, comms would be for that, and Glenn, being a HOG road captain is big on the comms and CB.
I have considered the comms with maybe a CB hookup for that purpose.
The Cardo unit seems relatively inexpensive and the new model will pair to more then 1 BT. And it is full duplex.
There was another unit that I had just seen before York and was very tempted to order it but forgot. That unit was able to also work with a half helmet, using a behind the head type headphones.
Now I don't remember where I saw it