This is me. 28, had mild hearing loss for about 3 years now in one ear due to a bad ear infection. I can get by fine, however I'm definitely missing out on a lot of "richness" of sound. I can't hear high pitched noises, or subtle differences between noises in my left ear at all. And everything in general is a little muted. Since I can hear perfectly find out of my right ear I'm not convinced spending thousands of dollars is worth it.
I would spend $10,000+ if my tinnitus could be cured permanently though.