E.T.
I have minor hearing loss. I started noticing it several years ago in my early 30s. I finally got it checked when I was about 42. I think it is from untreated ear infections when I was a competitive swimmer in high school. I didn't want to miss any of our short season, so I hid my infections. Stupid.
My hearing loss isn't enough to justify hearing aids yet. The audiologist simulated how aids would affect my hearing and it really didn't help. My hearing is worse if there is any background noise--kitchen exhaust fan, TV in the background, crowds, a really windy day. If someone is facing away from me or talking in a soft voice it can be hard to understand them. Some tones of voice are also hard for me to hear. Mine is also worse when I have a cold or stuffy head from allergies. Decongestants help a lot!
I still use earbuds at times, but have the volume set pretty low--really just so I can barely hear it. You can still listen to music, just skip the earbuds or keep the volume low. If you are in noisy environments consider using earplugs or noise canceling ear protection. My husband has some that he uses when he mows or snowblows. My son has used them at the fireworks because he hates loud noises. You can use less conspicuous ear plugs if you go to a concert.
It took some time for me to get to this point, but I'm very straight forward with people. If I'm having a hard time hearing them, I will tell them that I have minor hearing loss. (Unless it is someone that I really don't care to hear.) I'm surprised at how many people say that they do too. I'm a reading teacher and I do lots of 1-1 assessment with kids. They know that my ears sometimes don't work well and they need to speak clearly. I'm always reminding my kids that they need to be looking at me when they talk. I'm always reminding my husband to not mumble. It's frustrating, but it's what I need to do.
I don't think there is much of a stigma about hearing loss as there maybe was at one time. Hearing aids are much smaller and less cumbersome than they used to be. I have a friend from college who got hearing aids in his 30s. I wouldn't know that he even had them except that he told a story about losing one when he was out hiking one day. I have another friend who only wears hers in some situations. I wouldn't know that she has them if I hadn't seen her put them in one time.
More than likely if your hearing loss is due to long term exposure to loud sounds you won't go completely deaf and your hearing will be helped by hearing aids. Most people as they age will have some hearing loss (and changes to vision--my husband was told that at age 40, most people need glasses of some kind). Continue to take precautions to protect your hearing and it might not progress much. Since I had my hearing tested a few years back, I don't think it has gotten any worse. You learn to adapt.