Ugh, I agree the lack of noise regulations is a serious issue no one talks about. I moved away from the city in large part because it was always loud. Pretty sure I got tinnitus from years of daily earplug and headphone use, too.
Nowadays, I always sleep with a fan on for noise, and if that’s not enough then I play this. Doesn’t block everything out, but really helps reduce my irritation. https://youtu.be/hXetO_bYcMo

