I don't mean to question what you are saying, but I think this is more about comfort levels. I find with my tinnitus I just cannot listen to anything that is remotely on the loud side. My family sometimes complain because I turn down the volume on the TV if I find the level uncomfortable. This is often not over loud, it's just I find it physically uncomfortable for my threshold.
Well thats called recuitment and not directly related to your T. perhaps also a bit of personal taste.
Everybody has T. and its their bodies natural noise floor that is really quite - so quiet that (this sounds stupid I know) that you normally have to be hearign impaired to hear it.
There are various causes and reasons one may have Tinnitus, noise exposure is the most common.

