I went with the in ear buds. I think I even posted about them earlier. They cost me about $110. I thought they were pretty good, but after just short of a year they stopped working in one ear. I returned them and they were repaired under warranty. I vowed that I would be more careful about removing them, and I was, BUT, after about a year, they stopped working in 1 ear again.
I decided to search online for options. I went to ebay, and I found some in-ear ear buds. Two different brands. One was $14.99, and the other was $19.99. I ordered both. I have been using the Elgin Ruckus, first.
https://www.ebay.com/itm/Ruckus-Earplug-Earbuds-OSHA-Compliant-Noise-Reduction-in-Ear-Headphones-I/323853245380
The rubber plugs stick out a bit, but not enough to be an issue so far. It might prove to be uncomfortable on long trips, but for my daily commute, so far , so good. This was the $20 set.
They sound MUCH BETTER than the expensive ones - much better bass response, trebles are not as distorted, and they are rated at 25 db for noise reduction. So far, so good.
The second set are called Plugphones. They have 2 different cushion options. I have not tried them out yet.
https://www.ebay.com/itm/Plugfones-Yellow-Ear-Plug-Earbuds/123637973849
I wish I could hear the speakers that came with my Sena 20s. I know placement is important, but I could not make them work for me in my RF-1200, so it's earbuds for the future, I guess.