Hi Jim,
It is not a matter of you having been careless. On the contrary, I don't think that at all. What I have tried to convey to you is that you haven't had tinnitus long. If your tinnitus is noise induced as indicated on your avatar, then my advice is to be careful, because this type of tinnitus can take up to 18 months, sometimes longer, for a person to habituate to and for the tinnitus to completely settle down. A lot of people do not realise this, and that is the reason I have advised you to read my posts, in the links I have sent you.
Noise induced tinnitus can be aggravated by sounds that you might think are safe. Your tinnitus has increased/changed for a reason and this has concerned you and rightly so. If I am right this is due to sound as I have indicated in my previous post. It could also be caused by stress or an underlying medical problem within your auditory system, even medication can be a factor. However, experience suggests to me it is sound that has caused your tinnitus to change and it doesn't necessarily have to be loud. Hopefully it will return to baseline.
You have said that the sounds you have been listening to has been through speakers. It depends how large the speakers are and the distance from your ears. Although you think you don't have hyperacusis, I believe your auditory system is sensitive to some sound sources. All I am saying is to tread carefully. You should listen to sound because it will help with the habituation process and will treat any oversensitivity that you might have. More is explained in my post: Hyperacusis, As I see it. Just take things easy, enjoy listening to the audio you play though speakers, but I suggest not to use any type of headphones, even at low volume.
Hope this helps.
Best of luck.
Michael