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As a healthy person, I'd have rather taken my chances with COVID than spending the rest of my life with tinnitus (I'm pretty sure I was exposed to COVID just before the lockdowns as I lost my sense of smell for a short while, but otherwise no other symptoms and I've never had it since).
EDIT: Not a AirPods user, I occasionally use the Apple iPhone headphones, but rarely, maybe just for a flight or occasional call.