With respect to LOUD CHURCH MUSIC: it my be my fault. See the two quotes I ran into below:
"Tinnitus could be the result of the brain’s neural circuits trying to adapt to the loss of sensory hair cells by turning up the sensitivity to sound. This would explain why some people with tinnitus are oversensitive to loud noise."
"Noise-induced hearing loss, the result of damage to the sensory hair cells of the inner ear, is one of the most common causes of tinnitus. Anything you can do to limit your exposure to loud noise - - by moving away from the sound, turning down the volume, or wearing earplugs or earmuffs - - will help prevent tinnitus or keep it from getting worse."
So it looks like I still must avoid (what seems to me) LOUD MUSIC.