All the iphone owners I know (mostly my kids and their friends) get through many sets of earphones a year. They are always replaced with another set of wired headphones at minimal cost. I've not seen a bluetooth replacement being favoured.
As for the listening and charging issue - I didn't foresee that being a problem (I don't listen to music on my phone) but those users I have spoken to say that it's a deal breaker.
Not being able to listen with wired headphones whilst charging the phone is a real problem. I guess if you view the phone as your social and media hub, you need to be able to charge it whatever you happen to be doing. That's just not possible with the iphone 7 unless you are forced to use BT headphones. That's not the complete solution as your headphones are discharging whilst you are charging your phone which means you need a wired set for when the BT headphones die and your phone is charged.