Yeah I figured it was something along the lines of what you explained.
I am a electronics engineer by trade (I design telecommunication systems for a living) and spend enough time in test chambers as it is...
IMHO in the kind of society we live in, you can't really escape constant EMF bombardment. Considering the amount of time you spend in the car compared to say carrying around a cellphone, iPod, PDA or any other electronic gadget, the amount of EMF exposure in the car is negligible. Standing in front of a microwave oven watching your food getting hot is by far worse than sitting in your car