I'm so sorry, dude. I've had a few; it's scary. I hope it doesn't become a reoccurring thing for you.
For what it's worth, I've had less and less of this ever since I stopped wearing earplugs most of the day.
My entirely unscientific theory for why it happens more when you plug up: the brain hears muffled sounds/songs/etc and tries to interpret them with limited information. It gets stuck in this process, recreating the sound over and over.
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