I don't rate my swimming. I'm swimming about 6/9k a week at the moment and I know the swim could drastically improve but so long as I can get it done in a reasonable time, and it doesn't wear me out, that's good enough for me.
To go on topic a bit, depending on my mood I listen to music or podcasts when swimming. I've tried a few MP3 player things and - for me - the best ones are the Finis "bone-conductive" ones.