I have no experience with car radios and with smartphones if I use the navigator I do not listen to music, but I have done several tests.
With Israel I tried both the internal TTS, (tts_nua_ve1), the Vocalizer and also the basic voices with the same result, there is no lowering of the volume of the music when there are driving indications.
With Pal and Avic the internal TTS do not work so I tried with the Vocalizer and with the basic vocals with the same results as Israel.
With Luna the Muting works both with the Vocalizer, with the internal TTS and also with the basic voices.......
Probably your Head Unit will help you to mitigate the problem but I do not think to solve it. With the smartphone we can get the right compromise using the Audio Stream output channel other than Music.I solved my problem with the usage of the internal TTS (nuance).
Spoiler: Image
In this way we can use different levels of audio between Music and Navigator and I believe this also happens in car radios.
The fact remains that with Luna there is no need for any artifice.
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