Opinions will always vary on this. Maybe not as much as an oil or tires thread and definitely not as much as "how do I break it in" thread. But I sometimes read people post that "I'd never ride with hearing protection for such and such a reason and it's not bothering me."
What many don't understand is that "losing your hearing" does not mean that you don't hear things, perhaps just as loudly as you ever did. What it means most often is that you are losing the ability to hear certain sounds or frequencies of sounds. For most people, this means that the higher end of their hearing range is going first. While you may not an audiophile or care whether or not you can hear Ella break a crystal glass, what the loss of that range of your hearing costs you is the ability to distinguish between certain subtle sounds. Like hearing the difference in a "ch" sound and a "sh" sound; a "ba" sound or a "pa" sound - or many others that happen in just about every sentence you hear.
So you're saying your hearing is fine but your wife keeps saying you must be hard of hearing and truth be told, often times she hears back "huh?" So your hearing is fine is it? Then to your wife that means that you just don't care what she has to say
When actually what it means is that you heard her, but you didn't understand what she said because of your compromised ability to hear high frequency subtle sounds in speech.
When we're younger, our brains have this amazing ability to compensate for some loss of senses. As we get older, both our hearing is damaged and our brains have less ability to adapt to the loss. That involves a topic called brain elasticity. You have less of that when you're older. The good news is that you can still train your brain to be able to hear those sounds a bit better to compensate for the hearing loss. That improvement is possible because we still retain some amount of brain elasticity. But, it's just a lot harder to do and it takes many, many hours of audio training to see any improvement - way more effort than protecting your hearing to begin with.
If you're not wearing hearing protection, I have one important bit of advice that you are going to need to keep your marriage healthier. The phrase is "Honey, I heard you but I didn't quite understand what you said." That way she knows you care about what she says but she needs to say it again more clearly because you're an idiot that didn't protect your ears. I'm speaking from experience here.
I grew up racing motorcycles and playing in bands most of my young life. Later in life, I got very involved in competitive pistol matches and flying aerobatic airplanes. The cockpit of my Pitts is just about the most continuously noisy place you could ever find yourself having fun - way noisier than a rock concert. I've made it a priority most of my life to understand how my ears can be damaged and what I can do for hearing protection. I just never thought to do it on a motorcycle because, hey, I'm wearing a full face helmet. And yet, now I have tinnitus (ringing in my ears from high frequency roll off in my hearing) and often times do not enjoy being at a party in a room full of people because I can't understand anyone with a lot of background noise. So even if you are very careful to protect your hearing, you're still going to likely be faced with this someday. But wouldn't you like for that to be as late in your life and as little as possible?
It was only later in life that I started wearing hearing protection on motorcycles (other than full face helmet). I always wore hearing protection on the range and had the best ANR headsets available in the plane. Several years ago, after several all day rides, is when I first noticed the ringing in my ears that wasn't going away. About ten years before that, I had received the results from an executive physical required by my company that said that I basically still had the hearing of a dog. Off the charts good. I was in denial that I'd injured my ears until the audiologist told me that I had much less sensitivity to high frequency sound and that was what was causing the tinnitus - not curable and I had to live with it. But, I should be making every effort to protect what I had left. That's when I really started researching motorcycle hearing protection.
There's lots of cheap solutions out there and some are great and some are not. This is not at all a "get what you pay for" kind of thing and price does not mean better. The cheap foamy plugs you can get at any pharmacy are equal to the best of the best custom molded ear plugs or in-ear-monitors. A bottle of 50 for just a few bucks.
You can see there that, when you wear them properly, that the noise attenuation is great (32 dB) in the low frequencies but spectacular in the higher frequencies where you hearing is most quickly damaged. So these will protect your ears and I wear them all the time when I'm not concerned about helmet audio. But these are very unsatisfying if you're trying to also hear an intercom or other audio inside your hat. You end up having to turn up the audio to full to blast past the ear plugs and it still won't be very good audio. That's when I went on the search for some ear phones that would match the performance of the ear plugs.
I looked at just about everything on the market and there are lots of products. It had to provide great noise attenuation, have decent audio but not necessarily audiophile quality, and most importantly had to be all day comfortable inside my quirky and narrow ear holes. I talked to a lot of people and kept coming back over and over again to Sensaphonics. A lot of people are perfectly happy with much less expensive ear phones but these checked all the boxes for me. Over 40 dB of noise attenuation and because they're made from medical grade soft silicone and are custom molded by a trained audiologist (and not some knucklehead at a trade show) they have been comfortable for me for 12 - 14 hour days, day after day out on the road. As an added feature, they are pretty amazing audio quality - not that it matters much when I'm on the bike but I'll also use them sometimes when I'm in my tent or hotel room watching a movie on my phone.
Anything is better than nothing but please don't make the mistake of thinking that because you're wearing a high quality full face helmet that you're wearing hearing protection. The quietest helmet ever tested is the Schuberth C3 and it measured just over 80 dB at something like 70 mph. Your hearing is permanently damaged by 85 dB noise when exposed for more than 8 hours. You may not be wearing the best helmet for noise, or your bike may have noisy wind protection, or your lid might not fit tight - if you're exposed to 88 dB of sound for 4 hours your hearing is permanently damaged. OK, let's say your helmet is a bit noisy and you're riding faster - at 94dB your hearing is permanently damaged after 1 hour of exposure. Don't get me wrong, you don't get tinnitus that fast but when your hearing is damaged it never gets better and just compounds over time until someday you are at a party and can't understand what anyone is saying even when they are right in your face. I wouldn't wish that on anyone.
OK, that's my public service announcement. If you don't chose to protect your hearing it's nothing to me. But you make informed choices about other aspects of your health right? Do your own research and make your choice because regardless of what you think of anything I've just written here, you'll have to live with it.