Nope. My iPhone 7 came with a pair of Lightning headphones which I leave in my backpack and an 3.5mm adapter which I leave plugged into my headphones at home. Basically if you don't use more than 2 pairs of headphones on a regular basis it's a non-issue. Worse case you might need to buy an additional ~ $10 adapter for a second set of third party headphones or for a spare.
Incidentally Apple's PR on dropping the headphone jack was terrible. They tried to play it up as almost a benefit when in reality it's a boring lateral move that is of little consequence for most people.
Initially I thought that dropping the jack was a "meh" idea, myself using only bluetooth headphones for more than 2 years now.
But then every single time I commute or go to a park I see a bunch of people with their cable headphones and how inconvenient it is: the cables are just messy, they cling to stuff.
Wireless headphones make more sense in terms of how easy it is to use them. Although, agreed - the PR on dropping the headphone jack was pretty bad.
Incidentally Apple's PR on dropping the headphone jack was terrible. They tried to play it up as almost a benefit when in reality it's a boring lateral move that is of little consequence for most people.