I don't talk on the phone or text while I am driving. I watch the road and avoid all distractions. When you drive like I do, you have to concentrate; every entrance to a corner, every exit, every merge, spacing, signaling, communication with PROPER signaling, and looking out for the non-drivin' schmucks while expecting the unexpected for better response times.
I do prefer to text over talking or being tied up in a phone conversation. I don't text my credit card numbers, or sensitive data though. If you look at my texts all you will be reading is the next romance/action thriller of a novel. I have the perfect phone to text with. I can type lightning fast with it.