I get and agree with most of what you're saying. However, the type of tinnitus that you seem to be describing is tinnitus accompanied with hearing loss, which I don't have. Like my audiogram shows, my hearing is just about as perfect as a human being's hearing can get. Believe me, if "noise" was the reason for my tinnitus, then I can think of a LOT of people who'd be better candidates for tinnitus than me. Let's put it this way, I don't even own an iPod or any type of portable MP3 player. Like I said, I don't listen to loud music. And I've only been to two concerts in my entire life, and the last one was almost 6 years ago.
So with all of this said, I don't think I do anything to my ears that would be considered "abnormal" by today's society. Sure, perhaps "daily life" is still too much noise for what our ears are designed for, but like I said, I can think of a lot of people who abuse their ears with concerts, iPods, fire-crackers, etc and they don't have tinnitus. I'm a relatively quiet person, and I have it for some reason.
I really learned how helpless my doctors were when my ENT told me that he's had tinnitus for over 40 years and he said his is really loud. It really made me think that if an ENT, someone who is supposed to be specialized in the ear, can't even help himself, then he definitely can't help me.