That's the part I haven't quite figured out yet. Most of the time it doesn't bother me at all. Then seemingly out of nowhere I notice it when I am trying to fall asleep and can't stop thinking about it. I think I just get this thought in my head that I'd love to just have silence, but I can't ever have it again. So it becomes more psychological torture than anything else.

As for hearing loss, I can't really figure out how bad it is. I seem to have the most trouble with people who talk to quietly when there is background noise. Especially in crowds. I never used to have this problem. The frequencies in my tinnitus seem to cancel their voices out - especially women as you mentioned.