AuntSally, I have pulsatile tinnitus in both ears, caused by TMJ and bruxism. If you think yours is stress related, make sure you are not biting down/grinding during the day, and (assuming you do sleep), making sure you do not grind or bind at night. Your dentist should be able to look into your mouth and tell by callouses on your cheek and wear marks on your teeth if you do this. If so you will need a night guard.
As for sleep, I was on Ambien for 8 years before T started (chronic insomnia runs in my family), and after the initial T panic my sleep on Ambien didn't change much. I was also on Remeron (Martazipine) for a while for T depression+sleep aid, but it made me too drowsy in the morning. However, it did allow me to lower my Ambien for a while, so am considering using it sporadically as a sleep aid.