Yes, I chose a vague title on purpose. I need some responses. 
My only option for a tinnitus sound generator is a hearing aid with tinnitus function:
Four programmes (i.e. sounds) with SET volume levels. So no way to change the volume of a sound.
Costs: €550 for two hearing aids (insurance covers €1000)
The thing is: my cheap €5 earbuds (with no noise isolation) can do the trick too, and even better.
I can choose from a humongous amount of noises + I can set the volume very accurately below my tinnitus sound level.
And I do not have much money.
Some people advise against using earbuds and I wonder: why?
What is so good about those hearing aids, so much better than my €5 earbuds?
I need some convincing, will I buy those expensive hearing aids.

My only option for a tinnitus sound generator is a hearing aid with tinnitus function:
Four programmes (i.e. sounds) with SET volume levels. So no way to change the volume of a sound.
Costs: €550 for two hearing aids (insurance covers €1000)
The thing is: my cheap €5 earbuds (with no noise isolation) can do the trick too, and even better.
I can choose from a humongous amount of noises + I can set the volume very accurately below my tinnitus sound level.
And I do not have much money.
Some people advise against using earbuds and I wonder: why?
What is so good about those hearing aids, so much better than my €5 earbuds?
I need some convincing, will I buy those expensive hearing aids.