Hey McGee, sounds like you have some serious anxiety/panic issues. I feel for you. I have the battled the same problem, as have others here on this board.
A lot of good advice here already, so I will just briefly add this:
1. You can make yourself crazy trying to figure out what caused your T, what you could have done to avoid it, etc. I spent lots of money, chasing down the best specialists out there, to prove that yes, my T was caused by barotrauma from a long airplane flight. Guess what? It remains impossible to say for sure. And at the end of the day, it doesn't matter anyway because in the vast majority of cases, there at present time is no surgery or treatment to completely fix the problem even if you knew the cause. So move on and concentrate on managing your condition. And reread Per's post: There is lots of research going on out there and hope for all of us.
2. In the meantime: I consider my T to have two components: the anxiety/panic part and the ear noise part. They are connected but it some ways, need to be treated separately. You need to get your anxiety under control to be able to effectively deal with the tinnitus itself (which truly is more of a brain disorder than an ear disorder).
3. I know you probably are worried about meds, given you think Zoloft caused your T -- but don't be afraid to look at other med options. Also, if you search on this site, you will find many people who use natural supplements. Magnesium has helped me and others. Also, melatonin for sleep.
4. Try not to dwell on every new symptom you notice pop up. It just makes you more anxious and your body even more hypersensitive to changes. Anxiety makes us uncomfortable. Try to start accepting that fact, rather than objecting to it, and concentrate on building techniques that ease the anxiety to the point you can live with this discomfort. Meditation (guided tapes, particularly those geared toward anxiety) help a lot. Exercise. Breathing exercises. Lots of resources online.
5. Finally: If you haven't tried cognitive behavioral therapy, I highly recommend it. Best if done with a therapist, if you can afford it. But if you must use a book, try this one. Recommended by my neuropsychologist. It is workbook, with lessons you can do one by one:
http://www.amazon.com/dp/0195311353/?tag=tinntalk-20
And remember, McGee, as they sing in "Avenue Q:" As hard as it may seem, it's only for now. Someday, this will all behind you and you will feel so much better.