If you suddenly wake up and hear broken glass and heavy foot steps through the glass-which are you going to grab first your hearing protection or your weapon? The bottom line is that self/family preservation will be your number one priority.
The physical long term effects to your ears will become moot.
I think most of us would agree that in a crisis situation we wouldn't go groping around for hearing protection... but when someone deliberately shoots at the range without ear protection or casually fires off a few rounds without it, they are gambling with their hearing. Tinnitus is awful according to every report I've ever heard.
You need to distinguish between those scenarios.