much as I'd find listening to techno or hip-hop whilst playing jarring for the same reasons, despite being perfectly happy listening to either in another context. I don't listen to the radio much myself, but I love the ambient music in the game so for me it's no biggie.
I listened to the pipradio/Mr. NV for my first play through. I felt it went great along with my run and gun build.
I listened to the ambient music on my lone sniper as I always thought music blaring from my pipboy would be... odd on a sneak.
Oddly enough I am really digging techno on my energy/explosives run. It may be out of sync with the enviroment, but it fits nicely with my character.
What I don't like is that I thought if I saved in my own music it may break Mr. NV from always playing the same two songs, but I was wrong