I've been listening well above recommend levels for years, I've done work operating industrial machinery and my hearing tested among the best for my age. Just use hearing protection, and don't go nuts on the volume.
I cope pretty well with it. Some people get really depressed when it happens to them. Im okay if there's noise. At night I listen to podcasts and use a fan next to my bed. At work it's less noticeable, although fir some reason people think it's fine to be mean if a coworker can't hear very well.
For me I had intermittent ringing for a year or two. It would always go away quickly. Then, one morning, I woke up with this much louder chirping sound that's always there.
I was a metal head. Too many gigs and loud earbuds.