Hmm, Can't top the watch one, but if there's a wooden spoon for biggest pratt: here's my pitch.
I normally only wear ear protection when I'm doing something loud.
I was using my plasma cutter, and it wasn't that loud so I just wore an oxy mask. Of course, plasma cutters blow away the molten steel. Out of the corner of my eye, I see a bright red ball of steel go up from the cutter, bounce off something, and feel it go into my left ear. @#$@#$ me it hurt. Makes note to self: wear ear protection when plasma cutting.
Two days later, using the Mig welder. Wearing the full auto lcd facemask, but no ear protection, as I thought the facemask was enough protection. I'm welding, hear this pop, see a bright red ball of steel go up, bounce off something, and feel it go into my left ear. @#$@%# me, that hurt too. Turns out my big fat head and my wing nut-air brake ears are quite effective at collecting flying debris.
Went to the doctor. He said I had 2 balls of steel in my ear canal, about 1mm from my ear drum. Tried to wash it out with a syringe but failed, so had to go to a ear-nose-throat specialist. Turn up to the specialist, and he's got a dentist's chair, and a german bedside manner kinda like the dentist in the marathon man movie..
Puts me in this dentist chair, and uses tools I can't begin to describe to dig these bits of metal out of my head. It hurt more than anything I have ever felt in my life, including the time I used a pipe wrench to shatter my thumb into 5 pieces (a whole other sorry story )..
300$ and a whole lotta pain later, I now wear ear protection, even when making toast...