All growing up, I never used hearing protection shooting until I joined the army. Those of us who have been in recently know, the army is no longer giving out disability for hearing loss. It is YOUR fault for not using protection. (I am think there must be some provision for battle damage, as opposed to occupational negligence.
Since then, I've even convinced my old man that ear plugs don't put a dent in the experience. You only get one set of ears. Exceptions to this. In any defensive situation, I'm not going to ever attempt to reduce my hearing, I need all my senses to live. When I'm hunting big game, I'm not going to miss a shot because I stopped to put on hearing protection. But I don't plan on firing lots of repeated shots at the game either.
Having said this, I have been lucky. Working in the music business, I have known many guitarists who have tinitus, ant they tell me it REALLY sucks. It's the high-pitch stuff that tears your ears apart. A 100-watt Marshall guitar stack will do more damage than a 1000 Watt Ampeg bass amp stack. For many years, musicians used monitor cabinets to hear what they are doing on stage. The bad news is, they have to turn them up loud enough to overpower the natural volume of the drums and the house system. Now most musicians that play live a lot use in-ear monitor, which are basically ear plugs with tiny speakers in them. They can cut out exterior sound completely, and then only turn the monitor signal as loud as it needs to be. This way they save their ears over the long term, and don't have to subject themselves to the same bombardment the audience gets every night. (I saw Blondie a few years ago at a club, and they used them. I talked to Chris Stein after the show, and he said he really wished he had in-ear monitors thirty years ago.)
In 1995, I went to a Nine Inch Nails/Marilyn Manson concert at the Delta Center, which has notoriously terrible accoustics. (Rock acts have to cut the volume about in half or it is unintelligible.) The next morning, I took a physical, and the guy administering the test told me my hearing test was the highest score he'd seen there in months. I've dodged the bullet for this long, I'm not taking any more chances.