Ear plug / headphone DB ratings all vary by model and manufacturer. Best to compare them and their ratings. When I do not want to deal with headphone type protection, I just use the standard yellow foam industrial type ear plugs that you roll between your fingers to shape, then insert into your ear, and let expand. They work well.
Always had good luck with Walker electric headphones, usually backed with foam ear plugs when shooting something particularly obnoxious. These are the brand we used on the Gvt. shooting ranges as instructors, and they held up well. For what its worth, you do get what you pay for, to an extent. I have seen a lot of guys with cheap electronic headphones have durability issues. Unless you are shooting on a private range, by yourself, I would not consider non-amplified muffs. It is a real benefit to be able to hear range instructions, and what is going on around you, and elec. muffs provide this.
I don't think the soft rubber type ear plugs often found mounted with a band as you describe work as well as the simple disposable foam type that expand to fit your ear canal.
As a kid, I just shot without hearing protection until my ears hurt. Then I got smart and used empty 38 casings and cigarette buts. That's why I say "Hu"? quite a bit....
Larry