I am not sure I understand the question. Tinnitus typically, is experienced as high frequency ringing, mine is, but it can cover any frequency. For most of us, it is related to high frequency hearing loss and is thus, a high frequency experience, but it can be any frequency. Work related tinnitus, typically is at a lower frequency.
The main issue is noise exposure, which will worsen hearing loss and tinnitus. This would not normally be from using one's system, it is from loud concerts. I always told my kids, that if you left a concert with a couple of days of temporary tinnitus, you have permanently degraded your hearing.
So, I agree with those who have suggested, that looking for speakers that sound good at low volume, is the key. Beyond that, if you are buying new, I would always listen to speakers in your own system, before purchasing.
On the question of Headphones, it is commonly understood that it is easier to play at hearing damage levels on Headphones, than with speakers. One of the commonest causes of hearing damage now, is Personal Stereo, amongst the young.
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