@earear My tinnitus increased quite significantly after habituating to it for some time, so I have an idea what you're going through. I recently wrote a post: Is habituation possible? You might find a section of the text below helpful. Hope you start to feel better soon. Michael.
To the person that has habituated for a while and noticed a tinnitus spike is lasting longer than usual and is showing no signs of settling down as it would normally. Try not to panic. As you know stress can cause this, for life is problematic and few of us go through it without having problems. On the other hand some people habituate to the point where their tinnitus is hardly heard. Under these circumstances it's easy to forget and throw caution to the wind. Have you been attending clubs, bars or gigs where music has been played loud and you haven't been using noise reducing earplugs? It is something to consider.
Have you been listening to music through headphones? Although the tinnitus hasn't bothered you passed, there's no guarantee that you wont be affected now even when played at low volume. Whilst it's good that a person habituates and carries on to lead a fulfilling life, it would be prudent to remember to protect one's hearing at all times or at least be conscious of it. I have been contacted by many people having habituated for a while and stopped using sound enrichment at night and noticed their tinnitus becoming intrusive again over a period of time. Others attending venues where music is played loud, and those using headphones.
My advice is to be careful in whatever you decided to do. If the tinnitus doesn't calm down after three weeks then I think it's time to ask your Doctor to refer you to ENT. Hopefully, you'll be put on a treatment plan. Since you have the experience of habituation and what this entails, it wont be long before you'll feel like yourself again.
I have habituated twice in the twenty years that I've had tinnitus, although the second time was more difficult and took longer it was still possible.
Michael