I'm 43 years old, and in my 20s I went to a few loud rock shows. I had the same experience as you for days afterwards, but at the last one I attended without hearing protection, something funny happened in my right ear. It was like someone turned the tone control right down, and loud noises would distort so badly I couldn't make anything out.

A while later, I was watching a Scrubs episode where one of the characters ruptured an ear drum. That sound closely matched what I remembered hearing, so I've worn hearing protection to every concert since. Even had people make fun of me for it, but as soon as I say "probably ruptured an eardrum at a concert," they stop laughing.

I have tinnitus from a different cause, though. When I was very small, 5 or 6 years old, one of my mother's boyfriends would haul me around by my ears. I remember that my ear started ringing one day, and it never stopped.

I have two tones in one ear, and I think three in the other. 37 years later and it's as bad as it ever was, sadly. I have learned to just tune it out, but I can still hear it if I choose to - annoyingly, when I choose to hear it, I have to wait until I forget about it.

edit: Forgot to note, the ringing is very, very high pitched. Remember what CRT televisions would sound like when you turned them on? Higher pitched than that.