DCM ~
I'm very sorry you're having a tough time with tinnitus. I think for many people who have habituated, they have forgotten - or minimized - how terrible the first several months can be. Although I've had tinnitus since last summer, it didn't become severe until the first part of this year.
I'm a professional counselor and I was struggling to stay completely focused on each client session, as sometimes, my tinnitus would spike, making concentration problematic. I was able to get hearing aids which have helped me a great deal. Honestly, I'm still in the process of habituating and have difficult days now and then ... Even times when I feel slightly panicked over this.
BUT, the good news is, there ARE things you can do to help .... Reading, spending time with friends and family, exercising/physical activity, hobbies ... Anything positive can help! In addition, I'm going to challenge you to replace any "I can't do this" thoughts with "I can do this", "I can get through this - I know because I've done it before!", "I don't like this, but it won't always be as loud as this", "I am more powerful that my tinnitus", etc. This may sound like bunk, but it really does work .... I know because it's working for me. Giving in to helpless, fearful thoughts only makes the tinnitus louder and more controlling.
Again, I'm very sorry you're struggling. You can do this! Is it easy? NO! Is it possible? ABSOLUTELY!!
Prayers for peace and good rest!