I'm one of the guilty ones too. I don't have any particular rule about what sort of conversation rises to the level of "important enough to take in the car". Which translates to: I talk about anything and everything while I'm driving.
I only talk in the car with a headset, though. Both hands stay on the wheel. And if I'm in heavy traffic or dealing with something on the road that needs my attention, I'll hang up and call back.
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