Radios with bluetooth are not that expensive, the DVD head unit I put in my Explorer has blue tooth, 8 speaker surround sound, USB as well as Firewire and Micro SD input, I paid less than $200 bucks for it, it was a simple plug in install, took me about 15 minutes.
Radios are simple these days, on the Fords, either you have the push pin locks or you have 4 screws, so they are all easy, everything has gone modular, if you have two holes on each side of the radio, just make a tool out of a metal coat hanger, push in the hole and it will release the radio. I would not go to car toys, the last DVD head unit, I picked up at Walmart, it was less expensive for the same brand I could get a car toys.
You can buy a Jabra Cruiser for $50 or less. It will play on itself or through your fm radio.
My GF uses a Jabra Cruiser as well. Sounds fine when I am talking to her and she is sing it.