I'm just more terrified of other drivers.
Yeah that's the problem. We all are. None of us is aware of the limits of our own attention span. I use my podcast app while driving, and I answer phone calls, but I don't answer texts. I'll admit to reading them at red lights, but I don't really think that's a good idea either. There have been times when I'm reading a text and see a green light out of the corner of my eye, so I step on the gas only to realize it was the left turn arrow.
I would say on my daily drive to work, which is 17 miles each way, I see at least 1 bonehead move by some asshole looking at a phone. I'm actually surprised the rate of accidents isn't higher.