Hi there,
Whether or not you find the music loud enough depends on many factors such as how fast you ride, how much noise the helmet and bike make and how well positioned the speakers are.
On the whole Garmin have improved the software over time and it seems to be loud enough for about 80% of people in my experience.
The sound quality is also fine, not B&O but adequate, the sound over bluetooth is somewhat limited but as you are now planning to use the Bluetooth you should find it to be acceptable.
HTH,
David
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