Nope. My iPhone 7 came with a pair of Lightning headphones which I leave in my backpack and an 3.5mm adapter which I leave plugged into my headphones at home. Basically if you don't use more than 2 pairs of headphones on a regular basis it's a non-issue. Worse case you might need to buy an additional ~ $10 adapter for a second set of third party headphones or for a spare.

Incidentally Apple's PR on dropping the headphone jack was terrible. They tried to play it up as almost a benefit when in reality it's a boring lateral move that is of little consequence for most people.