Re: "If you’ve got money to burn,.."
I'm still kicking myself for taking my Sennheisers (low end of their mid range, RRP of £90 but bought on sale for £35 sort of thing) out of the house to make a short train journey less boring... then leaving them in a pub. Grr.
It was daft of me because they were excellent at-home headphones (I could fall asleep wearing them and wake up with no trace of ear discomfort) but poor portable headphones (overly long cable, didn't fold up).
I could just about, if I tried really hard, justify a pair of Sony XM3s for £150 to myself, if they were just used at home and at work... but for generally travelling around then a pair of £6 Sony earbuds is likely the best option for me.