This past year I fished both of the BASS tour events in California as an ametuer. One of the biggest surprises I have ever had in 12 years of tournamnet fishing was when I fished with Mark Rizk, a well known Calfornia pro who now lives in Alabama.. We pulled into our first spot and the first thing he did was turn on a boom box he had laying on the bottom of the boat. It was dialed to a Hard Rock station and he never turned it off all day, over 9 hours. At first it was extremely distracting, but I eventually "tuned it out". He says that he always listens to the radio while he fishes and he has nevr seen where it spooked the fish.
In fact we spent some time in a secluded cove, during high sun and calm water sight fishing. The radio was blasting, but the fish didn't care. We caught fish off of beds.
After spending that day, I am now convinced that the music has absoultely no effect on the fish. The only thing it has an effect on is the angler.
I think that the fact that well known pro who has been very successful while playing music in the boat is the ultimate answer to your question.