Solution to those whining about Charging while using Lightning Headphones is here

No it’s not Apple that provided the solution though the pricing is very much in line with Apple’s pricing policy.  Belkin have launched an adapter that will allow you to charge your lightning device simultaneously while you have a charging cable plugged in.  

The adapter is far better than Apple’s Phil Schiller who suggested people purchase a charging dock for $49 from Apple and far more portable though.

It’s not pretty but it will work,  personally I’d go with using a bluetooth headset and not worry about it.
The adapter will be available from Belkin soon at this web address