First of all, popping in the earbuds that came with your phone is certainly doable, although I like you don't usually use them. It certainly isn't necessary for most calls.
Secondly, you can do this without using a headset, but you'll have to hold it out away from your face and you'll have to make sure that you get voiceover turned up so you can hear it.
I was doing some googling about this and saw somebody complaining about accidentally hitting keys when the phone was up to his/her ear, so I wonder if that's why the keypad works this way.
-- Cheryl "Where your treasure is, there will your heart be also."
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