Hi Rick
I've had Tinnitus for 25 years. I fully know the frustration you are feeling. For years I was a corporate marketing exec. The ringing and hearing loss created such a disruption in my ability to function, that I was eventually "retired." I found some relief in the acting business.
Resturants and Clubs are just about impossible. I gave up on clubs and in restaurants I do a lot of lip reading. I do wear a hearing aid in my "good ear." It helps somewhat but unfortunately it also amplifies the surrounding noise -- and I have the top of the line aid. It's gotten to the point where I will carry on conversations with people that speak clearly and loud enough for me; but I will ignore the mumblers and tiny-talkers. It doesn't have to be your frustration. I always wanted to design a t-shirt that read: Hearing loss is a disability; mumbling isn't. Speak up, damit!
As far as the ringing -- I have no suggestions. Over the years I got used to it like it was a part of me. I rarely notice it anymore unless writing like this brings attention to it. It does help when those around you understand what you are dealing with. At one time I found this website that had the various Tinnitus sounds that you could play for others. When they heard mine they were a bit more understanding. Mine sounds like a steam kettle.
And here's the misery loves company part -- Tinnitus suffers include, Pete Townsend, Bono, The Edge, Neil Young, Ted Nugent, David Letterman, William Shattner, Steve Martin, Bill Clinton, Sting, Cher, Trent Reznor, Phil Collins, Brian Wilson, and of course, Ozzy. And that's just to name a few. The list is very long.
There are some that say white noise helps them in quiet situations like trying to go to sleep. And I do know that coffee, cigarettes and stimulants tend to make the ringing louder. I sympathize with you. My only suggestion is pick the places where you are comfortable. Avoid the ones where you aren't. And when you are in those situations like the Valentines Day banquet -- I just keep telling myself it will be over with soon. I realize that is sort of fatalistic -- but over the years, it's the way I learned to cope.
If you ever want to vent, please feel free to write me.
Best Wishes
David