My 2c.

The risk of losing one (or both) earbud is a real one. My ears don't tend to keep snug grip on the earbuds so they tend to get loose after I walk a little. With earbuds, this might just be my own singular piece but, there is also the chance that only one of the two would connect to your phone.

On the other hand, the cables get tangled together. I can't walk around with them because the cable gets stuck in the swing of my arms. Connecting them to the phone after a call had already started was a piece of cake though. With bluetooth, I never have my earbuds on when I actually need them and it's too much of a pain to take them out of my bag and connect them.

Whenever it is time to replace my current earbuds, I am gonna go for a neckband instead. It has basically the best of both, imo (I am not that sensitive to audio quality mostly) and the downsides aren't large enough (I'll think of the weight as a neck workout).

Then don’t buy headphones like that. I have AirPods Pro. But I also have a pair of $50 Beat Flex that if they fall out of my ear they just go around my neck. I use them when I travel.

I bought a pair of double flange doohickies to replace the standard ones.