Sorry Pat, sharing my experiences.
This is a tuff question. So many variables can affect your hearing results.
Windows up, no radio, I can usually get most of what is said from the back seat. I need more practice, could be better.
Same thing for a eating out. It’s all about the situation. Many instances I hear better than the average person but then other situations I struggle to understand. Recently a friend and I picked up hamburgers to go at an old building converted to a beer joint/restaurant. It was crowed and loud. I struggled to hear. Did not use the forward focus, it probably would have helped. We were not there that long.
Returned home to eat with a few home brews, much better hearing results.