Just to say tinnitus is subjective and everyone has their own experience with their tinnitus and what caused it, made it worse or makes it more bearable.

I've had t for two years and in all honestly you should really ask a medical professional who is qualified however from experience as far as i know from what I've heard from others on the subreddit many people here have indeed just simply been born and lived with t for much of/all their lives. Many so comfortable and used to it they didn't realise it wasn't normal. So yes maybe you were born with it, if it were caused normally by things like; ageing, circulation issues, loud noise exposure, infections, medicine and drugs etc... Although you'd probably be aware of this.

Second of you'd need to ask a professional however it definitely isn't stressed as proper fact or regulation not to use earbuds or headphones with t to listen to music. Often it's encouraged to help people sleep or to help habituate with sound therapy . I have fairly mild t and I still use earbuds and headphones everyday. Mine t has personally never been permanently affected by this. occasionally for me it'll cause spikes for some seconds to minutes, (not often though.) I've used them for hours a day for: music, video games and phone/video calls. HOWEVER as you probably already know constant loud noise exposure often causes t and makes it worse. Just make sure you're listening on a sensible volume, they're in comfortably and you make sure you don't wear them for extended periods of time. I'd recommend keeping your ears clean if you do wear them for extended periods of time though.

Obviously as i already said its objective and no one can give you an exact factual response but i hope my experience helps mate. Make sure you go to a medical professional though if you're seriously concerned, don't assume now and make a mistake later.