Some earpads are really comfortable to use and sits better, while I've experienced mishaps with earbuds when they decide to slip out of my ear/s at the slightest tug of the wire.
I still prefer earbuds because they cancel out noise from outside and vice versa. Not to mention every track sounds better and clearer with good earbuds. I agree that it's not very healthy for the ears though, but as adults, we should already have that responsibility of taking care of ourselves.
I'm currently using KOSS iphone earbuds and they're pretty cool. The best thing that fit in my ears so far.