You might actually be surprised at how easy I would be to please, but you have made up your mind that you can't, so be it. I usually CAN listen to local radio in the car, like driving from here to town, or to my parents' house (about a 10-minute drive away). Apparently this is how the masses also "listen" to radio. Quiz them on what you just played, and they likely couldn't tell you. If I were an advertiser, particularly a local one, I would run for the hills to get away from radio, and "listeners" like that. National advertisers can probably make it because they get bulk rates, and enough (nationwide) response from their ads, at least to justify the cost of running them. Only time that I ever listened to radio specifically for the commercials is when I was production director at the station, and I just listened to make sure that they sounded good on the air. And that they played reliably and on schedule and all that.
For road trips, I MUST take the CDs with me, some of which I have burned myself. Live music seems to work especially well on road trips because it is more "continuous" than studio-recorded CDs, not that I am ruling those out.