If you can get into the moment despite the danger of a permanent T spike, it sounds like it would be easy for you to get into the moment if your clothes were to be soaked in gasoline, and the other concertgoers were to light matches all around you.
The concerts I go to exposure me to less total noise than a number of other things I'm required to do to maintain my life (mostly, but not entirely, related to small gasoline engines). I've been doing all this stuff with tinnitus for 10 times as long as you've had tinnitus, so -- you make your choices, I will make mine
Maybe 80-90 decibels for 90-120 minutes with good earpro is still enough to spike you or mess
your ears up, but it does nothing to me based on, IDK, several hundred "experiments" since 2010, so I'm good, thanks.
That said -- if someone else goes to an 85db show with plugs, and comes out still feeling like their ears are blasted, then yes, that person should probably not do that? I'm sure it happens, we're all different, but out of the ~2 dozen people I know in meatspace who have tinnitus and attribute it to concerts -- most of them now use ear protection but none of them have stopped going to shows, and the only person I know to go to a show and really regret it did loud karaoke with no earplugs (and was ultimately fine, despite a pretty nasty spike that threw him off kilter for a couple months).
Your analogy about being immolated is.... interesting, and makes me think you think about this stuff very differently than I do.