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Nothing is the worst option as you don't know if anything is actually happening.
The voice interrupts are annoying as hell more so when trying to direct you away from the call to the web platform that just told me to call because its too complex.
Music or radio is fine. As long as its not Opus No.1 or terrible chip tune.
The best hold music I heared was 2009ish IBM hold music, light jazz with no voice interrupts.
I spent some time on the VA's phone lines while caring for my dad, and kind of grew to like Opus No. 1. There are far worse default options out there. More importantly, I prefer the necessary interruption to let me know I'm still on hold and they're going to come back to me not be every 20 seconds, and not be at a volume twice as loud as everything else.
I really hate nothing at all. I've been hung up on before and didn't realize it for a minute until I looked at my phone. Why don't smartphones have that old disconnect sound that landlines would do? Maybe some do.
Also not a fan of the piped in radio music that apparently is being picked up under a bridge, so it's a faded volume and keeps going in and out. Usually the music isn't bad, but can we tune it in better?