Here is what I did.
I have a Sena 20s headset a long with a Sena SM 10 that the headset jack goes to.
My phone is bluetoothed to the SM 10 a long with with my headset.
I have a XM radio in the left pocket plugged into the 3.5 plug and a thumb drive in the saddle bag.
,My wife and I can talk with Sena 20s headsets, we can each talk on our own phones thanks to the SM 10
We can also listen to any music source on the bike.
You can also plug your zumo into the SM 10 and you will hear directions or the music from it.