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Apple to Limit iPhone 15 USB-C Cables to USB 2.0 Speeds: Report
(www.extremetech.com)
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It warms it up, and you're not going to get the absolute maximum battery life out of it if you're wireless, but the impact usually isn't that big, unless you're really cooking it. Using the standard fast charger that comes with your phone is probably going to put about as much, if not more wear than a. 10W wireless charger.
You're not meant to wirelessly charge it by sticking it in the microwave.
It might be more than that. A wired headset is incredibly simple, unless you're running a ridiculous amplifier through it. It's just two speakers, maybe a microphone and button if it's a mobile headset.
By comparison, wireless listening would usually need the audio encoder/decoder chips, the Bluetooth receiver/transmitter, the processors for the pairing/controls/noise cancellation, and the speakers on top of that. That's not a small amount of componentry.