Right. It is really hard do "go out and live your life" with reactive tinnitus and hyperacusis. It virtually forces you to not do these things.
Reactive tinnitus combined with hyperacusis is like a case of a broken leg. That leg hurts more when you walk, but the pain recedes when you sit. If the pain were constant regardless if you sit or walk, I guess you might as well walk. The question "will it get worse" becomes secondary. So with reactive tinnitus you prefer to "sit", naturally.
I have a hard time "pushing it" because things get worse, even if temporarily, or just uncomfortable. I invariably regret going to a restaurant or a longer car drive. I regret it while doing it, so of course this becomes instant disincentive to do these things.
I don't overprotect, but I live a quiet life now. I am exposed to fairly normal level of household sounds. I take showers, I brush my teeth with electric toothbrush, I talk to people in person or over video. I eat with silverware and porcelain plates, but usually with my wife only. I take short car drives (< 10 minutes) and go for a walk in a forest. I might watch a movie quietly when I feel better. Occasionally I drive somewhere for ~1 hour one way if I have to (doctor's appointment). Or do some basic work on a car like changing oil or swapping wheels. But that's about it.
I don't go to gatherings or parties. I went to one. Nope, no more. I went to a restaurant a few times. Done with that, too loud. Drove on a 6 hour road trip. No more. I took a 3 hour flight for vacation this year. I am done with that. I was driving my loudish sports car quite a bit this summer. I loved cars so much, and especially this one. But I need to give it up, though it breaks my heart. Maybe I worsened because I kept driving it (with protection of course).
I am in the wait, survive and see mode. If I get meaningfully better I'd be very careful about "going out and living my life". Because I don't want to relive this horror. I'd give up most if not everything to have inner peace and silence. Yes, I miss so many fucking things, but there is nothing I miss more than silence in my head.