This patient support community is for discussions relating to
hearing loss, alerting devices, assistive listening devices, audiologically deaf, captioning,
cochlear implants, culturally deaf, hearing aids, hearing dogs, home safety,
Meniere’s disease, oral communication, safety, sign language, speech recognition, TDD, telephones, tinnitus, travel, and visual communication.
Anyway, it's wise to avoid sustained, loud noises that can permanently injure your hearing. I would have a hard time trying to talk you out of that mindset. And, a number of the scenarios that you described are likely to be very loud indeed! Again, I wouldn't want to argue that you should just ignore that.
However, obviously you have to decide where the line is between being too vigilant/worried and ruining your quality of life and being too careless and causing permanent hearing loss and possibly debilitating tinnitus.
Look, I too am concerned about this issue and take it seriously for myself. I am well aware of the risks. On the other hand, I also love live music and occasional sporting events and am not about to stop doing those things. My solution has been the same as yours -- I wear ear plugs when I am in those places. I walk out of the theater with normal hearing and no ringing. Plus, the concert sound has more clarity with the sound turned down. AND (and this is particularly relevant for you), I can better hear the person right next to me because of the significant decrease in background noise.
You need to wear the ear plugs (get a decent pair) when indicated by the intensity of the sound and the time you are exposed. The "flesh" colored plugs that fit in the canal are hard to notice unless you looking for them (if that's an issue). If necessary, make up some white lie about your hearing to placate the curious. But don't let this stop you from enjoying life and getting out there. Look at it this way, if you decide you aren't interested in what this guy is saying - you won't have to listen (or will at least have a good excuse not to). If you do want to talk to him more -- and you can't hear him (with you earplugs in), then move to an area where there is less noise.