I can do silver or gold, but even sensitive ear ones bother me.
My four year old is the same way....but we find the ones at Target are great. You can get some small colored CZ ones...3 sets...in silver for $12.99 I think.
I got a GREAT little pair of 10K bezel set cz at Walmart for my 6 year old and they're her favorites. Those were about $15 maybe.