I would never bring music out onto a lake .. the sound travels for miles and would almost certainly ruin someone elses enjoyment of a quiet day on the water... there are lots of places where music can be enjoyed without interfering with others.
As for me, personally ... I like the sound of the motor, the sounds of nature and the sound of my clicker as line is screaming off the reel when I get a hit ... not really a matter of whether it scares the fish .... more about WHY I go fishing ...