Something a lot of people, especially younger people, don’t realize about hearing loss is how much MORE there is to it than just “needing to listen to things louder when you’re old” or “some ringing” to varying degrees.
My father has hearing loss which he incurred on the job – he was a radio DJ in the 60s/70s and between the sound levels at work and the sound levels at concerts he went to for reviewing purposes, he did permanent damage to his hearing. Tinnitus is one element, hearing loss of certain frequencies is another.