This.
I do tune out my family. But I have had times where I needed to raise the volume on TV or radio to understand.
Per my husbands request, I had my hearing checked. I don't have hearing loss, yet. But I'm close. And they measured the decibels of my tinnitus thriving trial and error of finding tones to match what I hear when my ears are ringing. I forget the number, but it was pretty loud. In any case--I think that I hyper focus on sounds to distract from the ringing and tune my family out as a result.
But usually hearing loss isn't just one person you cannot hear.
But for me--I have had to have people repeat and sometimes repeat while I read their lips and when that doesn't work--I have them spell the word. And these aren't necessarily people with speech impediments. I have just lost the ability to make out certain sound combinations in words and so to me it sounds garbled. But then once I know what they are saying--it doesn't. Fun times.
Just about everything you mentioned above indicates that you are suffering from hearing loss. You should go to a competent audiologist for a hearing exam. One of the first signs of hearing loss is inching the volume of the TV up.