I'm the PP who posted the links for the headbands & you are absolutely right, you just described my daughter to a T, right down to the long straight ponytail, lol.
My daughter does have a very close friend with hair just as you described & she wears it the same way as the other girls, except she wears it in a low ponytail that hits really low in the neck, rather than in a high ponytail & she looks absolutely adorable.
The low ponytail is very flattering with curly hair & of course she complains that she wishes she had straight hair & all of the other girls tell her how lucky she is to have curly hair because she can at least straighten her hair (especially with the amazing straightening tools nowadays), but they can never get curly/wavy hair no matter what they do.
Sigh... we always want what we don't have.