there is a sort of white noise quality in the background and it does appeal to me since I cannot tell if its my T or the headset (usually its the T, though I think)
that's exactly the reason why I use masking 24/7. It seems to disperse the T, to dilute it, and makes me say to myself that I am not sure if I am hearing the T or the noise. Even both is better than just T for me.
Violet noise is much more cutting than the others. Maybe you find masking irritating because of hyperacusis, instead of T ?
Jack Vernon, in his book, recommends to listen to pink noise at the highest comfortable level to learn to tolerate noise again. Strangely enough, since using violet noise, my hyperacusis seems to have improved a lot, but as I said elsewhere, I have no proof that it's because of the masking.
As to how I got T, good question. It's likely due to a very short blast I got from the mp3 player. But I am not sure, because doctors seems to confuse you, rather than help. You hear stuff like 'it might be stress'. I never understood how the heck 'stress' causes tinnitus. How about Holocaust survivors? I never hear them saying they got tinnitus in the concentration camps.
Maybe it was a combination of many things, one other factor for me might have been grief that I am going through. Another was that I was taking Ibuprofen.
But generally I don't believe T is caused by psychological stress or what not. The noise blasts were likely the cause. Maybe Ibuprofen helped that too. It happened in a very stupid way.
What happened was, I would take a shower and would set my mp3 player to play with it's internal little speaker. The problem was, the speaker is so small that you have to turn the volume full up to hear anything. Then, I would finish showering, get dressed etc, and after about 10 minuts I would go back to get the player, I would then connect the headphones and would FORGET that the damn levels were at full blast. I would hear a blast for like a fraction of second, before I would stop it by literally rip the cord of the earphones. I trained in martial arts years ago and my reflexes are very natural and very fast. If I am reading a book and you are at the other side of the room and you throw a tennis ball at me, my hand will instinctively try to grab the ball even though I can't see the ball arriving, or seeing you throwing it.
I got away with this blast thing for about 3 times. They all lasted a very tiny fraction of second, much faster than the blink of the eye.
The last time I wasn't so lucky. But like you, I am still not convinced about many things. (got MRI for this reason, and still not convinced entirely )