The standard advice is to "cover" the ringing with more noise. I tried that, but over time I found it to be more disruptive to sleeping than the ringing. After a lot of searching, I stated using some meditation techniques to clear my mind and actively "ignore" the noise. The "Mindfulness Based Stress Reduction" describes the technique. I heard about it on an NRP about a year ago....
http://www.npr.org/blogs/health/2011...lear-your-mind
The custom molded plugs are worth the $$$. I went to my local audiologist to have mine fitted. It was the same price as getting the home kit. I can wear them under headphones, and just turn up the monitor volume a little. I use the 15dB filters.
The different noise reduction ratings are "normal." The ISO standard for NRR uses the A-weighted curve, this is the -12dB rating. The -20dB rating comes from an unweighted curve that is more appropriate for music, but not "standard" for purposes of advertising.
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