As far as I know, the earplugs are the source of the problem! I say this because the buzzing has gradually increased over the course of a few weeks, which coincides not only with the mp3 player use, but also with constant use of earplugs. I guess the doctor is right. Stay away. They are making my ears 10X more sensitive.
btw, I've always had some sort of 'noise' in the ears, as many others here have reported. It's just that I've never had anything annoying for more than two or three weeks. Again, that was due to some definite exposure to loud noise, whether it was tools, freeway noise, loud amplified music or whatnot. I really do believe this will go away, but over the course of several weeks not a few days.
I may wear earplugs when I sleep, otherwise, no more. My only concern is my commute which is always on the highway. That can get pretty noisy. What about in traffic. Do you that it's ok then?