dereksbicycles, your hearing loss was like mine, 90db in both ears, I was born normal hearing and lost my hearing fast 12 years back, I'm 35, I used Oticon agile HA and have used oticon since I lost my hearing, I could use the phone with Nokia loopsets (excellent quality) and Hatis headsets (so so, break easily) and finally when I got latest Oticon HA I got the bluetooth ones and was able to use the streamer that connect wirelessly with your HA and phone (iphone) and I can use the phone this way and do pretty amazing, I talk to my clients perfectly, I know at the level of my haring loss I may be should not hear over the phone this good, but remember I have pushed myself so hard on those 10 years to use every technology I could ever use, I work in multi millions company at top position and manage good numbers of staff, I had no option but push myself, I truly believe that one can pushed himself to train whatever cells are there in his ears and NEVER say never, my hearing loss is a slop type and way down where the banana is, anyway I was shocked when my audi told me that I was a candidate for the CI last March, I thought the CI is only for DEAF people and I was shocked to learn that these rules changed and they started to consider people with 70db loss as long as their speech tests show 40% or less, mine was like 22-28%, it took me a month to accept this fact, I was communicating good with 2-5 people at time, use the phone on my cell phone mostly as office phones drove me crazy, and brought millions $$ to the company, but then at that time I re-evaluated my life and noticed that it did really affected my social life and I was going away slowly from my older friends and my far family, I was working so my at work to cover up things, I decided to get the CI and got refused by my insurance, and then by Nov last year I was approved and had my CI surgery March.22nd this year, got activated on April.7th (a week back), I'm doing great, it's very noisy and I need to accept this fact coming from 90db loss and a digital HA that scanned out all the noise to understand speech I have to let my brain to accept all these sounds that I'm hearing now, background noise like AC or even the clicks of the computer keys are so high, all mixed up with the speech (I put the TV on to train my brain), it's hard to understand things when there are so much noise but my brain needs to get all of this and then scan it out by itself, it will take time.
Now having said the above and seeing you having same loss as mine and seeing you not as motivated as me, I strongly advise you to stay on this board and communicate with us for 6-12 months and slowly absorb things and then re-evaluate if you want the CI or not, you can not do it now since you said you do not want the birds and other people talking down the street, you can not select the sounds you want with the CI, you have to get all of this like normal hearing people or forget about it, you have to work very hard with your brain and push yourself to accept it and move on with it and keep working on it for YEARS, it's not a selective process, you have to get all or NONE, I'm sorry to be brutally honest but you do need to a lot of research, many of them are within your soul and if you want this or not, you still good with HA but check again if your social life and your career is affected, think about the future (not sure how old are you now), remember that the older you get the CI the harder on your brain to get it, so if you are in your 20s, 30s, please get it ASAP, as once you get to your 50s your results will not be as good as when you are younger, it's all depend on the brain, the longer the brain is not hearing sounds the more it will push it to use the hearing area for something else
Good luck