It would seem like the main driver of tinnitus is damage to the all-important ear hairs, and so the brain responds, for whatever ungodly reason, by making those exacts same sounds - phantom sounds - which the ear can no longer deliver to the brain. Just like everyone says. And in a way, I guess is sort of straightforward. Obviously I'm just citing the conventional thinking.
But maybe it's only a certain kind of damage. And gradual, more gentle hearing loss, doesn't induce the ringing response like more sudden, violent noise-induced hearing loss. And the brain is never riled up enough by the loss of tiny, steady auditory input to respond with the terrible ringing. But maybe there's more to it, and only a certain personality type even gets the tinnitus. Maybe if you're a nervous sort, the brain is more on edge, and is more liable to respond with some sort deep-inner brain subconscious panic to this loss of input. And if you're a generally content and easygoing person, the unconscious brain may not panic, and in effect not worry about the missing input due to any cochlear damage. And so you never get the ringing. And when I say 'nervous', I don't mean like, a basket case or anything. Just a little more tendency toward nerves, and a greater sensitivity to potential worry and the like.
Makes sense to me. Though that's obviously the purest of ignorant layman's speculation, as is probably wrong.