Same here on all fronts about distractions. I can't tell whether when people talk about listening to music while working/studying: (1) they mean music with no lyrics, (2) they are unserious and okay with their work being constantly interrupted, or (3) they can resist thinking about the lyrics.
Some work may allow for seamless pivoting between work vs. enjoyable distraction, e.g., a clerk, but I often hear about people listening to music in other contexts.