Thanks for your very informed opinion,
@Nich. I will pile on here with my own experience:
I was terrified to take alprazolam (Xanax), a benzo, when my tinnitus first started. But my anxiety was insane, to the point that I really doubted I could continue living life with rolling panic attacks. Yes, I tried meditation, exercise and CBT and they helped. But it wasn't enough. What happened to me is exactly what Nich described above: while I may have had some underlying anxiety, I never had an anxiety disorder and never took a single pill for anxiety until my tinnitus starting talking to my limbic system. Suddenly, I was in full panic mode.
Alprazolam made it possible for me to make it through the day and keep working -- and living. I take it under the care of a psychiatrist, not a family physician, who monitors me carefully and knows I want to stay on the lowest dose possible. Today, one year later, I take this med only as needed during the day -- I probably average a total of about .5 mg A WEEK now. I still do a very low dose at night to help with sleep, but have tapered way back and we now are moving toward other options. I get little anxiety flutters sometimes, which I usually can kick with breathing exercises or meditation. But otherwise, found cutting back very painless. My guess is I probably will have moments, from time to time, when I need this medication, or one like it, for the rest of my life. But I take it rarely.
So why I think you need to respect the potential for harm with benzos and ADs, and use it under the guidance of an appropriate professional, you absolutely should not be afraid of them. They can save you. They did me.