I do deliberately turn off the muting. As I listen to non-music stations while driving (mainly Radio 4 and Radio 4 Extra) I prefer to have some chance of hearing what is being said through the burbles rather than having it chop the audio right at the point of the punchline of a joke or a critical response to a well asked question.
I agree with the OP when he says that FM degrades more gracefully. In a poor reception area, I can make more sense of a poor FM signal than I can of a DAB one.
I would prefer to hear it all of course, and I find that DAB reception here in the heart of the Westcountry is diabolically bad, even close to the largest towns and cities in the region. Within 5 miles of Exeter, I can find completely dead spots where you cannot get DAB reception at all. That's not in the sticks, that should be like any suburban location.
On the subject of living out in the sticks, you can take a running jump. You are just jealous of the fresh air we breathe, the green spaces we have available on our doorsteps, and the spectacular sights that you have forgotten. Unlike the Internet where distance is a problem, radio is a medium that could and should be country wide.