mach 79, I'm sorry to hear you suffer from tinnitus. If so it might well be twaddle to you. However, if, after 38 years of flying Boeing 737s of every type from -200 to -800, both bus stopping four to six sectors, and Canaries from Berlin (5 hours plus each way) for 38 years, all I am saying is that if you take reasonable precautions, cockpit noise will not be a factor in your ability to hear you favourite symphony, pop tune or conversation in the pub when you retire.
I might add that I was very remiss in wearing ear defenders during pre-flights and turn-rounds but did stick my fingers in my ears in the wheel well and passing the APU inlet/exhaust.
Expensive headsets are just that, expensive. I would ask why Boeing and Airbus provide what they consider to be perfectly adequate headsets if they thought that all pilots would discard them in favour of some supposedly superior brand?
Do you seriously think that they are any less quality concious in their choice of headsets than they are in their choice of hydraulic pumps, toilet motors or engine starter systems?
The reality is that bespoke headsets are much like bespoke suits or flashy cars; they look good.
Now, if I flew a chopper it might be different.