Many IEM earpieces can be disconnected from the cable, so you can switch out between a wired connection and a bluetooth adapter (or replace/repair those as needed, while keeping the drivers). I don't use bluetooth headphones, but it seems like an okay compromise.

I will say that going direct isn't without problems, though. I can't tell you how many adapters and dongles I've lost. At this point it feels like a wash with how much ends up in a landfill. I'd love for everything to support 3.5mm but that's not the world we live in.