Individuals can have different levels and responses to tinnitus.

I have had tinnitus for over 20 years and gave up on talking about it to my medical providers because they didn't have anything to help. Sounds like maybe there are more ways to deal with it now. Mine is usually an annoyance, but one sign for me of my being stressed out is that it increases and become more problematic to the point that it woke me up at night. It also increases with earwax.

What has helped me with my level of tinnitus (your level may be much greater) is learning to cope with it, and not make it more problematic by my reacting to it. By doing this, I don't even think about it much, though when I do, it is always present. I hear it and let it go. This may not work for you, but I am grateful that it has for me.

The American Tinnitus Association (ATA): "Tinnitus can trigger strong, negative emotions like anxiety, depression, and anger. Patients can learn to control their emotional reactions and thereby disassociate tinnitus from burdensome negative behavioral responses (Behavioral Therapies | American Tinnitus Association).

The ATA's web site also has links to support groups and other resources.