When should you refrain from using the telephone even if you have a hands-free device?

Your selected combination is entirely correct. In Germany, the law recognizes that using a telephone while driving, even with a hands-free device, can still be distracting under certain circumstances.

1. Stressful conversations can lead to divided attention, increasing the risk of accidents.
2. Complicated traffic conditions require full focus, and distractions can impair judgment and reaction times.
3. Any distraction that takes your attention away from driving, such as thinking about a phone conversation, is considered unsafe.

The German Road Traffic Regulations emphasize that drivers must maintain full attention to the road and their surroundings. Therefore, it's vital to recognize these situations where even a hands-free phone call can be detrimental to safe driving.