If I have opened fire in my home, I am afraid for my life. I could not care less at that point about the hearing loss, I just want to be alive at the end of the encounter, with the immediate threat stopped. The hearing damage will be a bummer later, but I really don't think noise should be a factor in choosing the HD weapon for you. It's sorta like if I had to total my car to avoid a fatal accident, or cut off my trapped hand before it falls off a cliff. Those situations are going to be real bummers, but I'll be alive at the end.
I don't mean to minimize the seriousness of major hearing damage. I'm sure it's a real burden. I just don't think it factors into a use of lethal force to preserve life and limb. At the range, by all means, I'm all about high-end hearing protection.
Beretta PX4; 92FS; 92S; 8040G | Sig Sauer SP2022; P6 | Glock G19 Gen4; G23 Gen3| Colt Python 4"; 1968 Detective Special 2"| Smith & Wesson M642-1 | Ruger LCP; 10/22 | Daniel Defense M4V1 | Remington 870 | Alpine M1 Carbine | Steyr M1895 |1943 Izhevsk Mosin M91/30 | Walther PPS