I addressed that above. Studies show that the nature of being distracted talking on the phone is different (at the cognitive level as well as at the interaction level) than the nature of other distractions in the car.
This doesn't mean that those distractions are ok, but all evidence currently available is that, in aggregate, talking on the phone is much worse than those other things.
So, even if I grant that you are an outlier, superbly designed for driving in the face of extreme distraction, setting the rules based on outliers generally isn't good practice.
(And if it is possible to prove that someone got into an accident or committed an infraction while digging through CDs to change the one in the player then I'd be fine with a regulation that allowed doubling the penalties, just as I'm fine with it if you're on the phone.)
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