Hehe yea, I get ya. Just playing devils advocate.
It does seem a rather strange decision.
I do however have a workaround for you, even if it is pretty grim.
Start the fm radio, activate loudspeaker, then mute the radio. Hey presto new message tone comes out of the main speaker.
I havent tested to see what effect that has on using the headset for calls, I dont drive so it's not a priority, but might be worth looking at if it is that important to you.
Edit - well it certainly still rings through teh earphones when in this state..... further testing i'll let you do. :)
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