There is loud and then there is TOOO LOUD. You should try living with tinnitus not much fun. It doesnt sneak up it just happens one day and never stops.
I know it all too well. Yes it appears suddenly one morning and no, it never goes away. Some days its there and you hear it like it's a siren in an ear, and then other days you don't even recall it as a problem. It comes and goes, at least for me. But it doesn't stop the T's from playing loud
Mine was from a sinus virus, it just appeared as the aftermath; it was not from loud music or gun shots, it was a virus which caused completely stuffed up nose and hearing.... cleared out and then there was the high pitched 'ringing', never went away. Doc said it would clear up in a few weeks, but the Doc didn't know what he was talking about obviously.