Yes Matt, if I'm going to be using my circular saw for more than just a short cut or two, I will use foam plugs. I will always use them when I use my router. I also wear them while reloading in the event a primer goes off. I too have had a career (30 years) where I've spent time around industrial equipment and have always used as much ear protection as I could reasonably wear. I've walked through parts of industrial plants with my hands covering my ears even though I was wearing foam plugs if I felt pressure there. I used to have to have my hearing checked yearly and the audiologist would always say........."geez, I bet your kids don't get away with anything without you hearing it." I believe the small effort to add additional protection was well worth it.
No matter what or where I'm shooting, I use foam plugs and the 31 NRR muffs. I figure that in the real world situation, I probably end up with an actual NRR in the mid to upper 20's.
And, don't forget, while it may be only a .22 you are shooting, what about the guy next to you?