The only thing worse than hearing loss is vision loss. I'm almost deaf in one ear. I have constant tinnitus, ringing in the ears. Foam earplugs and helmet speakers don't work for me. The earplugs attenuate all sound, thus I hear is muffled. In-ear speakers, unless specifically designed for hearing protection, provide good sound but do not protect your hearing.
A windshield, or even a full face helmet with visor down, will NOT protect your hearing sufficiently.
I went with custom molded earphones. Expensive relative to many other choices at $200 or so, but nothing compared to the 100% certainty of hearing loss without protection. That the sound is much better than almost anything else is just a bonus.
If you're using Autocom, you have to spring for their splitter thing, for which they charge an outrageous $45.
I don't ride without a helmet. I don't ride without gloves, boots, riding suit, etc. If I fall and break bones, scrape skin, I'll heal, eventually. If I ride without hearing protection, I will lose hearing, and it won't come back. Ever.