I feel the same way. I am convinced my initial tinnitus (before loud music made it worse) was caused by a brain MRI. I don't know if the effect is different for different parts of the body.

I can't do contrast either so CT and MRI aren't always that helpful anyway for what I need to have checked.

This is really a personal choice in my view, depending on the benefit/risk ratio so to speak. I will do an MRI to save my life but have declined one in my neck. My doctor understands. If surgery is imminent, or possible, an MRI may be needed. Can an ultrasound be used?