It's smart to do the research, and great that you have the budget.
If you are willing to wait for slow boats from China, there are a zillion tips on aliexpress.com. I have had some good luck with AnjiRui, BQEYZ, KZ Starlines (turned inside out) and others; search foam eartips, silicone eartips, etc. It helps if you know which Comply size fits you best, and then Google what the Comply size means in millimeters.
The good thing about current IEMs is that detachable cables are replaceable, and except maybe for the cheapest budget IEMs, the cable is what wears out. Unless you deliberately crush the buds you are unlikely to destroy them. Durability is rarely a problem.
And wow, music already sounds fantastic on IEMs in the $100-$200 range and there are good choices there. Except for the IE300 I have no experience above that price range -- and the IE300 was very mixed for me compared to, for instance, my Tri I3 at half their price. A lot of people here talk about diminishing returns: a $600 IEM doesn't sound twice as good as a $300 IEM, though it might sound a little more refined or spacious for someone who is concentrating in a quiet listening environment with a pristine source.
If you are watching YouTube, the audio is probably downsampled to 128 kbps. That is borderline low-fi, the kind of sound that was offered on early iTunes to save bandwidth. When you start listening to things like the sound of cymbals or string bass notes or pounded piano chords, there are limitations. A high-end earphone is going to reveal the bad details of those low-fi sounds, while once you get above the under-$100 budget zone, you'll find IEMs that optimize everything that's thrown at them. The Head-fi code word for that is "all-rounders."
Meanwhile, with the $$ you save, you could go to Bandcamp and support some really adventurous musicians. They're doing the hard work after all.
https://rancapduoi.bandcamp.com/