I can only speak from my own experience, but I've been using the same set of wired KZ ZSN in-ear-monitors for the past few years. They're nothing ground-breaking, but they cost under $25.
The wires loop back behind my ears so they don't get pulled out easily, the wires have yet to short out, and they are replaceable in case I ever want or need to replace them. I almost always use them with my phone, so the USB-C-to-3.5mm dongle that came with my phone is typically attached to the end.
I don't mean to shill for this or any other brand in particular, but I'm pretty sure there are several affordable, decent quality earbuds/IEMs out there with replaceable cables.