Keeping them from bothering an ear is difficult. The snood looks like a good idea.
I agree with you about plastic. At one time we got into that habit but have learned. I always keep a "dog card" just in case and only use it every couple of months for something small to keep it current. It's immediately paid off when the bill arrives. We have other cards but if used they are paid off. In my mind I simply subtract the amount paid on the card from the checking account so that there is always funds to cover. They have come in very handy when we encountered an emergency, like needing a new battery for the Ace In The Hole sump pump.