You are literally suggesting how you have fixed (or rather, worked around) the issue... by suggesting another much more expensive solution. Pretty much just like the other comments I mentioned before, except that they were suggesting wireless headphones, or buying dongles, or any of that jazz.

I just want to charge my phone while I'm wearing my headphones, without having to buy any external dongles or gasp external DACs.

Apple set a terrible precedent for other phone manufacturers by removing the headphone jacks, they showed how they can screw over customers and people will still sing praises for them, it's baffling because it's a blatant attempt by Apple to promote their own wireless headphones!

Although it's been better now in the Android world, but there was once when those companies touted "lack of 3.5mm" as a feature.