Yea, I should caveat that total includes a hell of a lot more than tinnitus, and some of the stuff I'm dealing with is equally obscure but a lot more treatable if you can find a competetant provider.
If I was in your boat and had the money for SC21 I might be thinking about it harder. My situation is, I know biomodal worked on me in a trial, and I've also been dealing with this level of tinnitus for 10 years so I don't think I have any "windows closing", and the last decade has, if nothing else, engrained a kind of patience in me that I did not know I was capable of.
Also, I have a kid now, and so I care a lot more about their health than mine. If you'd asked me four years ago, "would you fire a .45 handgun with no earpro inside a brick alley to save your life", I would have said "I really don't know" but if you flip that on its head and say "would you fire a .50 BMG machinegun with no earpro for an entire 200 round belt to save your kid?", the answer is yes without even thinking
biology is weird. On the other hand, I don't have a .45 or a machinegun so hopefully this particular trolley problem doesn't come up, so the practical application of that kind of thinking is -- when I take my kid to the circus, and to concerts, and to all the other stuff my parents took me to -- she wears earpro. You get 'em started young, seems like they don't even object -- I can be grinding coffee in the kitchen and kiddo will ASK me to give them earpro. Nice!