It's different because when your husband is in the car, he subconsciously stops talking when you are approaching areas where your increased concentration is required. You won't realise it is happening (because it's subconscious) but if you recorded it there would be gaps. If he's on the phone, he doesn't have that context to know when to shut the fuck up.How is it different if I have the same conversation with my husband while he is in the car I’m driving, versus he is taking to me on the handsfree while I’m driving.
Same conversation, same level of concentration required.