Only a small percentage of people who experience tinnitus actually have loud tinnitus. The problem however is that suffering isn't necessarily related to loudness and somebody with very mild tinnitus can be as traumatised as somebody with very loud tinnitus. I also believe that somebody with very mild tinnitus can perceive their tinnitus as being loud and proof of this can be found reading this board and other tinnitus boards including Facebook.
I do understand the science behind the articles, i.e., that loudness and annoyance occupy separate--though overlapping--neural networks. But, as someone with wide tinnitus fluctuations, I do know the difference between "loud" and "more quiet" tinnitus. Every day or two my volume fluctuations remind me of these differences.
Obviously, some people may not be able to distinguish. Perhaps, their tinnitus is low but its the only level they've ever known. And, likewise, their noise bothers them greatly and they constantly listen for it and monitor it. Obviously, such people would believe their tinnitus is loud. They have nothing to compare it with and they are bothered greatly.
Regarding tinnitus and annoyance, I know personally habituation is much more difficult for louder tinnitus. Loud tinnitus affects your concentration. It just cuts through everything and is almost impossible to tune out. I do know it is possible to habituate to loud tinnitus. We have several people who have accomplished this. So habitation is always possible, but VOLUME does matter and does make habituation more challenging.
Why volume matters is about our attentional networks and our limbic system. Our brains are wired to keep us safe; and loud tinnitus generates a lot of abnormal neural activity--more than quiet tinnitus. As such, I believe, this large amount of abnormal neural activity becomes a focus for our attentional and limbic systems. And we--whether we like it or not--are drawn to the noise because our brain is unable to tune it out.
To overcome this, it is important to increase our attentional control. I am doing meditation daily, and I have experienced improvement. My hope is that I'll be able to develop my attentional skills so I will one day be able to tune out my loud days. I don't worry about my quiet days. I've already habituated to those. Although I always hear my tinnitus, my low days do not affect my mood, cognition, or anything else. I feel normal, even with tinnitus, but only when my noise is low.
For people with loud tinnitus, I suggest they keep trying things to increase their attentional control. It's a long road, but the only road we have available for the next several years--unless we want to try something like RTG.
(Or perhaps neurofeedback!)