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If I'm trying to do anything math/navigation related, I can't deal with any outside noise. Even someone asking the teacher a question would throw me off completely in school during math tests.

I commute via public transit. So I get a nice combo of cell yell, bus noise, gum cracking, etc. Then we sometimes get people who decide their seats aren't enough, they want part of your seat too. Or who recline their seat practically into your lap. I love my music/ocean sounds. I bought some headphones with a foam earbud, which you can roll just like foam earplugs and that helps a great deal with the noise.