I usually just plug my phone into the radio and select a playlist. I mean, the only real reason for me to upgrade the car radio is so that I wouldn't have to physically plug my phone into the radio. Hardly worth spending hundreds of dollars for that convenience.When I'm driving, I rarely turn on the radio/stereo.
The times I do turn it on, I always tune it to a station that plays music I have no familiarity with.
In practice I've found that playing music I am familiar with, is very distracting to me while driving. But if I don't know the music, I've found it blends into the background noise and is not distracting for me.