I understand the earbud+charging dilemma; my wife had the exact same bedtime use case issue. I bought her an Anker PowerPort Wireless 5 stand which holds the phone vertically. Its non-rapid charging speed is not an issue when the phone is charged overnight. (In fact the slow speed is probably good for battery longevity.)

As for myself, I bought Bose QC35's prior to upgrading to my first jackless iPhone so I was never affected by its absence. I almost never use earbuds.