It also has to be measured in the situation. An excavator doing strip mining work may not require ear protection but the same excavator underground in a coal mine will certainly be much louder. But you're absolutely correct that any and all desired personal protective equipment should be available to a worker.
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"Don't disturb my circles." translation of Archimedes last words
I did active noise cancellation for 6 years. Headsets, mufflers, appliances, even semi cabs and aircraft. We had a twin Beech in our shop for a year. The tests are very specific, and as you say environment specific.
I didn't go into details because I don't think the OP is equipped for sound analysis.
It sure won't hurt to overdo it. Just like I have to have my reading glasses within reach. Anything I do that might be loud, I throw my hearing protection on.
The reason is, that I didn't always do it that way, and I can tell.
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Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety. Ben Franklin
Find out how many decibels the noise is, and compare with how many decibels are allowed at your ears. If the difference is around 20-30 or so, single ear protection may suffice. For greater differences, you may need double. Most earplugs and headsets "top out" at about 32dB of noise reduction; for more than that you need two stages.
I have worked in loud engine rooms over the years, and have been consistent in using ear protection. I haven't tried lately, but as of about 3 years ago, when lying on the sofa, I could still hear my cats walking on the carpet (if the room was otherwise silent).
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In vino veritas; in cervisia carmen; in aqua E. coli.
UK noise regulations can be discovered with an internet search. They apply to all workplaces, whether excavators or not.
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"Did you get my e-mail?" - "The biggest problem in communication is the illusion that it has taken place" - George Bernard Shaw, 1856