Is ear wax toxic?

Since we in California can no longer talk on our IPhone while driving after July 1 without a hands free device, I was thinking of investing in a pair of those expensive ear plugs that supposedly enhance the music experience. (I've got a Jawbone for plain old talking.) I learned, however, you can't actually listen to these $199 plugs before you buy them. I guess ear wax is more dangerous than I imagined. Do you have to just buy them and return them if they're not much better than what comes with your IPhone? Seems pretty dumb.