I've never even considered ear plugs. What are the studies saying about hearing loss from wind noise though? I can't imagine wind noise behind a nice big windshield and fairing would hit 91dB for extended periods of time. I'm used to cruising around with no ear plugs or tunes, because I enjoy listening to the engine noise: it's comforting. I also enjoy riding in rain because the drops of water on my helmet sounds cool like rain on a tin roof. If I wear ear plugs, I wouldn't get that anymore.
"Noise levels measured under helmets with each motorcycle driven on the open road ranted from 78 to 90 dB (A) at 30MPH to 114 to 116 dB (A) at 120 MPH, depending on the helmet, speed and windscreen. "
Lower, MC, et al. "Noise Levels and Noise Reduction Under Motorcycle Helmets". Procedings of Internoise 1996.
http://www.isvr.co.uk/reprints/inter96mc.pdf
Figure three of
this document (pdf) shows that on a K1100 LT with screen fully up, the SPL under the helmet is at leas 88 dB (A) at 70 MPH.
Long term exposure to sound in excess of 85dB will cause hearing damage. 8 hours per day at 85 dB will cause hearing loss. at 91 dB, the safe exposure limit is just 2 hours. AT 120MPH, you risk permanent damage to your hearing in just 7 minutes.
http://www.betterhearing.org/hearing_loss_prevention/noisethermometer.cfm
So, if you always ride looking through the screen, under 70 MPH, and less than 8 hours in a 24 hour period, you should be OK. Assuming you have a premium helmet. (Arai, Shoei, etc)