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Find a fitter who follows best practices
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If youâd need them only in noise, honestly Iâd abandon idea of aiming for high end aids, and Iâd buy the cheapest that support external microphones.
I donât know if marvel virto can do it or itâs too small.
My solution for noise is ric aid + roger select iN. I had marvel audeo, now paradise audeo (on trials), and they have integrated hardware so I only need to buy select that comes with licences.
Yes, such mic is expensive, but can be connected to several HAs at once.
So, you could buy audeo marvel M30 x4 (for each of you two pieces), then one roger select, put it on the table and you both hear, and each of you has program for that mic for their need.
Currently I see prices on ebay (new aids from USA) for like 1600 eur pair. Select iN is here 1000 eur.
Someone mentioned that in Australia they can get select refunded, so maybe check that.
Iâd definitely look into all available options, charity programs and whatnot who will donate you money for it.
Check if virto has such option, or some other connection possibility.
https://www.phonakpro.com/com/en/support/product-support/wireless-accessories/roger-configurator.html
Here I canât find virto marvel.
Ok, here it says that virto marvel M-312 (I guess thatâs biggest, I really have no clue about all these names IIC, CIC and so on), has even roger HW inside, plus itâs able to connect to various things, unlike other models.
It also says that M-312 comes only in ITC, HS, FS forms whatever that is.
But Iâd definitely look not into highest tech to get you best speech in noise but the one that enables additional microphones.
Because, the best HAs can give you up to 5 db boost in ideal conditions, while mic gives you up to 15 - mostly because itâs closer to the source and skips a ton of air between you and the sound source.
Yes, I agree that only by constant wearing them like 6+ hours a day your brain will train to listen to such speech and utilise it the best.
However I think you might get benefits even if you use it only for outside with this mic combination. Because boost will be awesome.
However, maybe looking into BOSE HEARphones could also help? Theyâre much cheaper and some users report they work pretty well in noisy situations like restaurants. Yes theyâre not adjusted for your exact hearing loss, but they have better mics than your ears currently are.
But, test with audi first.
Invest the time in finding one who follows best practices.
Then explain that you want HAs only for some situations and ask for opinion about getting low tech + external mic as opposed to high tech HAs only.
Your results in noise and quiet will guide your audi for best answer. Also, low level HAs will perform the same as high level HAs in quiet if theyâre fit properly, so you might start wearing them at home as well, especially when you discover how good it is to get direct streaming adjusted for your loss 
But find proper fitter who wants to help you to hear better and not seller or clueless person.