There are some occasions i'll admit i might send or read a text during driving, but only if it's in the middle of the night on slow roads, or at a light or stop sign.
Sometimes i'll be typing out a long text, "somehow" driving, not even knowing how i got a mile down the road by the end of it
It's more of a concern when there are several people in the car with the driver texting. It's when the driver has the distraction of the phone along with other people in the car when things can get scary. I've been in situations like this especially being 20yrs old, and it's definitely worse with younger girls...
Bluetooth definitely helps, but honestly, i don't think holding your phone to your ear talking is even halfway... no, not 1/4 as dangerous as texting. With texting, you lose a hand and your eyes aren't on the road.
Talking on a phone while driving doesn't seem like one of those things that should be illegal, at least not as much as texting and driving. Sneezing and drinking coffee etc seem more dangerous IMO...