I would say for price, under $400 USD for universal. Any higher and I might as well go custom. I hope that these will be with me for a long, long, time to come. At that price, I suggest you check out the 4.Ai. Of course, the ER4 and HF5 as well.
in regards to fitting, I have never tried the up-&-over style, but I am certainly open to it. is there any benefit to that design? Less microphonics (bone conduction), less prone to fall off. Straight barrels can be worn over the ear as well.
thanks for mentioning the HF5, eke2k6. I am liking what I am seeing on Etymotic's product page. would you say that the ER4 series is noticeably better than the HF5? Not him, but I've compared the two (own the ER4P), and the HF5s are too close in performance for the price to pass up. ~90% of ER4 details, and the sig is pretty similar, but the HF5 is slightly warmer (though in the grand scheme of things, they shouldn't be considered warm at all). Build is better on the ER4, but the HF5 is no slouch.