I didn't read all the above comments, but did peruse a fair amount of it, and ran across many good points on both sides of the argument. What strikes me is there seems to be an underlying assumption (of course I may be wrong on this) that all brains and neurological systems are created equal. The way I see it, that's simply not the case, so everybody's way of dealing with tinnitus and/or hyperacusis is going to have to be highly individualized.
I read a book many years ago called "Adrenal Syndrome". A lot of the book touched on the residual resiliency of people's adrenal glands as they respond to life's stresses. Very low resiliency often resulted in months/years of chronic debilitating exhaustion following a stressful event(s) in their lives. Very high resiliency indicated essentially the opposite. The author broke this down into some rough numbers:
25% of people have low resiliency, meaning normal life stressors will often send them into some degree of a tailspin.
25% of people have high resiliency, meaning that no matter how severe a stressor comes into their lives, they will be able to cope without becoming debilitated to any degree.
50% of people fall somewhere inbetween.
I believe there are some kind of corresponding numbers for a person's brain and neurological resiliency as well, which can greatly affect the ability to cope with tinnitus. (I believe adrenal resiliency also plays a major role in our ability to cope). -- Based on these assumptions, it's pretty easy for me to conclude that what may be overprotection for one person will be underprotection for another, and vice versa.
I think the main point to understand for someone new to tinnitus is that their path forward is going to be a lot of "testing the waters". Generally, IMHO, it's going to take a few weeks or months to get important insights that will help us achieve a healthy balance. In all likelihood, most people are going to learn from experience when their over-protecting or under-protecting.
I've come to believe however, that in those early months, if one is going to err in either direction, it should be toward overprotection. It just seems to me the consequences of underprotection (which could result in permanent injury) in those early times are much more dire than the consequences of overprotection--which as I understand, generally results in temporary setbacks.
Doing a number of things to better support the brain and neurological system and the body's stress response (adrenal glands) is quite high on my list of recommendations I would make to anybody with tinnitus. Doing so might even prevent phonophobia or OCD, etc., as we go through our learning curves -- Just my 2 cents worth.