Just to let you know there is a form of tinnitus that does just that. Everything you said...voices just inaudible, singing and music. Different from psychosis and not considered a hallucination. Just a special form of tinnitus.
As you suspected, I was not aware of that, but I recently had my hearing disability examined/tested by a licensed Audiologist for the purchase of new hearing aids. Shouldn’t she have diagnosed tinnitus when I was tested?