I do this.
I only hear it when it's quiet or I focus on it, but it isn't totally debilitating (luckily).
I can pinpoint the exact day I got it though. It was about two years ago: I was running on 35 hours without sleep as I'd just finished a project for a class earlier in the day, yet I still went ahead with driving down to Atlantic City with a couple friends. Not only was I completely sleep deprived, but I had a cold, and as soon as I got to our room at Harrah's I took an Advil Cold & Sinus and washed it down with a Corona. Then I hung out at The Pool for about 3 hours where the music was fucking loud as fuck before calling it a night.
Yep. That pretty much did it.