I moved to the woods, but, city life had been making me crazy well before tinnitus was my big concern.
I wear dubs 12db filters when I drive, so that I feel okay about listening to music or podcasts over the ~70db din of dirt roads, and I wear earmuffs when I'm splitting wood or shooting guns. Other than that I try hard not to worry about it; periodically, someone is going to honk when they're right next to me, or lightning is going to strike, or a glass pan is going to shatter on the stove. Some of these things cause a threshold shift, and of those, some cause temporarily increased tinnitus. 19 years in, the only thing that's ever increased my ringing long term was a pretty severe ~120+db environment that I stayed in for two hours because I was dumb.
There's no point in obsessing; your hearing is GOING to get worse over time, period. So is your vision, and cognition, and muscle tone. I think that people who wear earmuffs when they're operating chainsaws are being sensible, and that people who obsess over an ambulance blasting past them on the street have some kind of anxiety disorder which they should work on.