Cel, it won't let me directly reply to your post without Tapatalk crashing. I'm a young guy and obviously enjoy loud music. I always thought my listening might be a bit too loud but had no way of gauging it without an spl meter. There is a certain point in volume I always gravitate towards that sound just right, any louder is obnoxious, any quieter the lows and highs drop off.
Recently I acquired an spl meter and checked what this level was. For music it's usually around 75dBC, which surprised me. I've been to only a few concerts in my lifetime and always found them uncomfortably loud, so much so I have little desire to attend them.
I'm in my mid 20s now, but back as an 18 year old I was able to hear all the way from 15hz-22khz. I can still hear 15 hz, but can no longer hear much past 17khz without excessive volume. I've not done much to harm my hearing other than running a saw a couple times while working at a hardware store. I just like the dynamic realism of listening at reference level. According to the various guidelines 105dB (which is the peak at reference) is okay for an extremely short period of time. In a 2hr movie I may experience a total of 30 minutes worth of exposure greater than 90dB.105dB peaks are very rare.