I've had tinnitus for a few years. It's not as bad as it seems, at least for me. I don't really notice it most of the time.
That said, it seems to me there are two kinds of tinnitus. One is the "exposure to loud noises" type, which most doctors will assume you have, and usually comes with hearing damage (though it doesn't necessarily get worse, unless you use jackhammers without earmuffs or something).
The other is almost not really a disease, because most people probably have it, they just don't notice because their brains tune it out. This is probably what I have, since there seems to be nothing else wrong with my hearing, and I've always obsessively avoided loud noises due to hypersensitivity. My doctor said someone did a study where they put a bunch of people in a silent room for a while...half of them "spontaneously" got tinnitus. So it's not necessarily a horrible thing. But you still shouldn't pump your headphones up to ridiculous volumes.
Lol, I thought I was the only one! (Spoiler alert, you are never the only one). I keep my music relatively low, and I was shocked when I heard a ringing in my ears one night when I was trying to fall asleep. It's really really quiet, and I never hear it during the day, and for at night, I have this stuff that I spray in my nose that quiets it long enough for me to get some zzzs.