My wife thinks I suffer from DSHD !
Domestic Selective Hearing Disorder 
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I have major tinnitus in my left ear. I attribute it to 38 years of driving with my windows down and my left ear getting pelted by the wind at highway speeds. Itās gotten to the point Iād estimate the intensity of the ringing to be the equivalent of 80 or so decibels.
I have tinnitus and high frequency hearing loss, I can mostly ignore the tinnitus but the high frequency loss can be a problem, I canāt hear the timer alarm on the cooker and some other appliances (including the smoke and CO2 alarms) which bothers me! I have problems with hearing speech in noisy areas, particularly the females voices as they tend to be at a higher pitch (selective hearing disorder - so my wife says!). Fortunately it doesnāt affect my playing too much but I have to be careful with listening to music especially using ear buds.
21 years of Army artillery cut down the high freqs quite a bit and left me with a mild tinnitus. Crowded rooms and conversations donāt mix well, but Iām fine in a quiet place and can still enjoy the woods full of birdsong or a beautiful acoustic guitar and voice!
Iāve had mild tinnitus for a couple of decades, now. I blame it on the small alternative rock club I went to in my early twenties where the PA volume probably exceeded the legal decibel limit.
Iāve always had problems following conversations in crowded environments but it hasnāt affected my ]enjoyment of music. Having said that, my wife can clearly hear high frequencies that I canāt ā and like others I have trouble with DSHD. 
I also recently went to my first indoor concert since January 2022. It was great to hear music being performed live again but for the first time, I experienced the distortion that the OP refers to. It was caused by the loud high-pitched whistles of other audience members when the band finished a song.
I have a touch of tinnitus, but the biggest problem is high frequencies. Hearing loss runs in my family, so I think itās mainly genetics plus advancing age, as opposed to abuse in my misspent youth.
Hearing conversations in noisy environments is a problem, and I have to turn the closed captions on when I watch TV.
Inherited some hearing aids from my mother, and they really helped - easier to understand conversations, and could hear a lot more detail when listening to music (vocals, hi-hats, etc).
But unfortunately, they failed about a year ago, and they are so ridiculously expensive here in Canada ($1000+ per ear) that I havenāt replaced them. I have an electronics background, and know there are probably only $50 worth of parts in them, so it really feels like a scam.
However, they really did help, and I hope to find a more reasonably priced alternative. Iāve heard that much cheaper over-the-counter hearing aids will be available in the US soon, so maybe that will be a solution.
Just seen this message string. Iāve had lifelong hearing impairment - it first showed up when I had a hearing test at 7 years of age. Up until my mid 20s I couldnāt hear properly but as it was not followed up from diagnosis at age 7 I didnāt really know any different - a bit like colour blind people not really knowing what real colours are. Fast forward many years dozens of ear operations and making do without hearing aids I finally had to take the plunge about 4 years ago. The ones I have were outrageously expensive but once I got over the reluctance to use them I found I canāt live without them. My hearing now with the aids is as good as itās ever been, probably better, and I can generally have conversations without too much lip reading, which I used to do instinctively. I noticed during COVID before I got the aids how much I relied on lip reading once the masks came on. I realize cost is an issue for real quality aids, but itās definitely worth it in my experience from a quality of life standpoint.
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Thankfully no tinnitus or any other hearing damage here. Sometimes, especially when Iām exhausted I have a mild ringing typically in the right ear, but a good sleep has always cured it so far. I work in an office environment and at times I need to use a headset for calls, so I consciously try to limit its volume and the volume of the music I listen to & have āsilent eveningsā (save for practice) a few times a week.