I sleep with a pillow speaker connected to my phone. I find if I'm listening to something, I don't pay attention to the ringing. I'm not sure that it will help everyone, but I have some pretty loud ringing at times, (yes, mine comes and goes, louder or softer, but never a day without it.) The volume is low enough that my wife can't hear it, and I have to position the speaker properly to hear it.
The latest pillow speaker I have is below. I have had it 7 months and very happy with it. It has an internal amp that can be switched on if needed and I occasionally do turn it on. Some sources don't have enough drive to be loud enough especially if the fan is on. But mostly I don't need the amp on. My mattress is in a wooden water bed frame, I used 3M double sided foam tape to put the volume/amp on the frame so it can be easily adjusted.
https://www.amazon.com/gp/product/B00BB5WC8Q/ref=ppx_yo_dt_b_asin_title_o00_s00?ie=UTF8&th=1
btw, I listen to "Old Time Radio Player" app on an android phone.
You can test it here,
https://oldtime.radio/ on your computer, pick from many genres, and program as many or as few in a personalized list. i.e. Gunsmoke, Dragnet, Box 13, and the Life and times of Harry Lime. You can have more than one list.
I also listen to "Simple Radio" App, thousands of radio stations around the world. I listen to WABC radio, in the morning and after midnight, no politics after midnight.
https://play.google.com/store/apps/details?id=com.streema.simpleradio&hl=en_US&gl=US
Fun story, after a hurricane, we had drywall repairs done by some Mexicans, couldn't communicate very well, but enough to find one of the guys had lost all the music on his phone. I showed him the app above and he saved a couple of stations from the city he came from in favorites. He was giddy about it! He could not thank me enough.